Professional Liability Insurance
Protection for your reputation.
Professional liability insurance helps protect your business from claims of negligence, errors, or missed deadlines. We help Florida service providers stay protected—no matter how careful or qualified you are.
Why Professional Liability Insurance Matters
If your business provides advice, designs, or services, you face a different kind of risk—one that isn’t covered by general liability insurance. A missed deadline, a misunderstood recommendation, or an overlooked detail could lead to a costly lawsuit. Professional liability insurance (also called Errors & Omissions or E&O) helps cover legal fees, settlements, and reputational damage. It’s especially important in fields like consulting, real estate, marketing, tech, and healthcare. Even when you’ve done nothing wrong, this coverage gives you the resources to defend your business.
What Professional Liability Insurance Can Cover
Negligence or Mistakes
Covers claims that your work or advice caused financial loss.
Legal Defense Costs
Pays attorney fees, court costs, and settlements—even if the claim is baseless.
Missed Deadlines or Incomplete Work
Helps protect against project delays or contractual disputes.
Libel, Slander & Misrepresentation
Covers non-physical claims that impact another party’s reputation or business.
Frequently Asked Questions
Who needs professional liability insurance?
Any business that offers a service, consultation, or professional opinion can benefit from this coverage. This includes real estate agents, consultants, designers, accountants, healthcare professionals, and marketing firms. If your work affects a client’s outcome or finances, you’re at risk.
Is this different from general liability insurance?
Yes—general liability covers physical risks like injury or property damage. Professional liability is focused on financial harm due to your services or advice. Many Florida businesses carry both types for complete protection.
What types of claims does it cover?
It covers claims of errors, omissions, negligence, missed deadlines, inaccurate advice, or failure to deliver services as promised. Even if a claim is unfounded, the legal costs can add up quickly. This policy helps you manage those costs.
Is this insurance required by law in Florida?
It’s not legally required, but some contracts, licensing boards, or clients may require it as part of doing business. Regardless, it’s a wise investment for any service-based business that wants to limit risk and protect its reputation.