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Professional Liability Insurance

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A group of business professionalsProfessional Liability Insurance, also known as Errors & Omissions Insurance or E&O, is a form of specialty business insurance that helps protect your company or professional practice from risks not typically covered by your commercial general liability policy. Specifically, professional liability insurance helps protect professional advice and service providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.


Protect Your Business with Errors and Omissions Coverage

Professionals are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired, according to the standards of conduct in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. If you own a business that provides any type of advice or professional opinion (i.e. doctors and lawyers), then it is extremely important for you to have Errors & Omissions coverage along with your business insurance. Errors & Omissions insurance protects you from just that: errors and omissions caused by your employees. This type of policy covers most costs and claims that may occur because of errors caused by employees, failure to complete or perform work promised within a contract, etc. It’s important to consider all the risks to your business and all possible errors, omissions, and mistakes that can be made by professionals in your field.


A company that chooses not to purchase E&O coverage is taking a serious financial risk. These types of losses are not covered under a general liability policy, and even if you aren’t at fault, litigation is both time-consuming and expensive. As with any insurance, the best time to buy an E&O policy is before the risk is taken. Customers will also feel secure knowing that if an error occurs, they will be compensated.


If you’re in any business where you provide a service to a client for a fee, you’re subject to E&O exposure. Even with the best employees and the best risk management, there is room for human error. No one is perfect; Insley Insurance understands this.


Contact Insley Insurance today to learn more about your options and get a free Professional Liability Insurance Quote.