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Professional 

Liability

Professional Liability Insurance

 

Professional liability insurance, also called errors and omissions insurance (E & O insurance), protects your business from claims of negligence even if you haven't made a mistake.

 

Who Needs Professional Liability Insurance?

 

Small businesses that provide professional services or give advice to clients should consider purchasing professional liability insurance. Professional liability insurance provides protection when a small business owner is sued for negligence when their work doesn't meet a client's expectations.

Professional liability insurance can also be required by a small business' clients when entering into a contract.

 

Professional Liability Insurance for Small Businesses

Professional liability insurance offers different types of coverage for small businesses:

 

  • ​Alleged or actual negligence – Protects a business against actual or alleged errors and omissions when providing professional services, such as giving incorrect advice, an omission, or failing to deliver a service.

 

  • Defense costs – Provides legal defense when a covered claim is reported.

 

  • Personal injury (e.g., libel or slander) – Can provide protection for small businesses against both libel and slander if it’s committed as part of your professional services.

 

  • Copyright infringement – Can provide coverage for damages or claims expenses for copyright infringement.

 

Note**

Professional liability insurance can also offer coverage for claims from services provided in the past and work performed anywhere in the world.

Need more details? Contact us

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