It’s not about your professionalism, training, or years of experience. It’s about human nature. Mistakes happen to the best of us, no matter how experienced. Protect your business from claims of negligence with a professional liability policy.
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Professional liability insurance, also known as errors and omissions (E&O insurance) provides your business with protection in case your business is sued by a client for negligence related to a service your business offers. Whether or not you actually made a mistake, you can be sued. Professional liability insurance helps cover the costs of defending yourself, as well as the costs associated with any settlement or judgement.
Generally speaking, if your business provides professional services or advice to clients, you should consider a professional liability policy. There may even be times when you are required by a client to have professional liability coverage before entering into a contract.
Some businesses that should have professional liability coverage include:
Claims of negligence arise when a client claims you provided incorrect advice, omitted a piece of important information, or failed to deliver your service by a specific deadline.
When you submit a covered claim, your professional liability insurance may help cover your defense costs, as well as the costs associated with a settlement or judgement.
Whether or not it occurred, you can be sued by another person or business for saying or writing untrue or negative comments. Your professional liability policy may help protect you and your business against such claims.
These are just a select few examples of what isn't covered by professional liability insurance. Please review your policy, or ask your agent for a complete list of exclusions.
Professional liability insurance does not cover damages or claims expenses if you injure someone or damage another person's property. Please visit our general liability insurance page for this type of coverage.
Fraudulent, dishonest, or criminal acts are not covered. However, your defense against such claims is covered unless they're proven to be true. At that point, you may be required to reimburse defense expenses.
Any claims made by employees regarding employment practice or workers' compensation violations are not covered by professional liability insurance.
Protect your business from a variety of claims.
General liability insurance, also referred to as business liability insurance, is coverage that protects you and your business from a variety of claims, including bodily injury, damage to property, or personal injury.
Business umbrella insurance protects you from major claims that have the potential to cause serious financial harm to your business. It provides liability coverage above and beyond what your current liabilities may cover.
We understand that your employees are your most important asset, and if one were to get hurt on the job, your business could suffer. With workers' compensation insurance, we'll be there for you and your employees.