What Does Professional Liability Insurance Cover?
Professional liability insurance covers claims arising from errors, omissions, negligence, and professional mistakes in the delivery of your services.
Negligence Claims
Covers claims that your professional services fell below the expected standard of care, resulting in financial harm to your client. Negligence is the most common basis for professional liability claims.
Errors & Omissions
Covers mistakes (errors) and things you failed to do (omissions) in delivering professional services. A missed deadline, an incorrect calculation, or overlooked information can all give rise to claims.
Defense Costs
Covers attorney fees, court costs, and expert witness expenses in defending professional liability claims — even if the claim is ultimately found to be without merit.
Settlements & Judgments
Pays settlements negotiated out of court and judgments entered against you, up to your policy limits, for covered professional liability claims.
Missed Deadlines & Failures to Deliver
Covers claims arising from missed deadlines, project failures, or failure to deliver promised results that result in financial harm to clients.
Prior Acts Coverage
Depending on your policy, professional liability can cover claims arising from work done before your policy inception date — important when switching carriers or starting a new policy.
Professionals Who Need Liability Coverage
Consultants & Advisors
Management consultants, financial advisors, HR consultants, and business coaches all provide advice that clients act on. If that advice leads to financial loss, professional liability coverage is essential.
Accountants & Real Estate Agents
Tax errors, financial reporting mistakes, and real estate transaction errors can result in significant client losses. Accountants and real estate professionals frequently face E&O claims and often need coverage to maintain their license.
IT Professionals & Healthcare
IT consultants, software developers, and technology service providers face exposure when their systems fail or cause data loss. Healthcare providers need malpractice coverage (a form of professional liability) to protect against patient claims.
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