Professional Liability Insurance helps cover claims alleging errors, omissions, negligence, or inadequate services, safeguarding your business from costly legal expenses and client lawsuits.
Every Professional Liability policy is rooted in the same principle: protection that steps in when serious liability risks exceed underlying policy limits.
Every Professional Liability policy is rooted in the same principle: protection that steps in when serious liability risks exceed underlying policy limits.
$1,000,000
Each Occurrence
$1,000,000
General Aggregate
Annual premiums start from $1,000. Higher limits are available depending on risk profile.
Common endorsements
& optional coverages
Standard Professional Liability policies provide basic protection, while endorsements help extend, customize, or adjust coverage to match your business’s specific liability risks.
Standard Commercial Umbrella and Excess Liability policies provide additional protection, while endorsements help extend, customize, or adjust coverage to match your business’s specific liability risks.
Contractual Liability
May broaden coverage for certain liability assumed under contracts, subject to exclusions and conditions.
Subcontractor Liability
May cover professional services performed by subcontractors, or claims arising from their work.
Defense Outside The Limits
Pays defense costs separately from the liability limit, where available.
Worldwide Coverage
May extend protection to qualifying claims occurring outside the primary policy territory.
Extended Reporting Period
Allows covered claims to be reported after policy expiration for eligible acts during the policy period.
Run-off Or Tail Coverage
Protects against claims reported after a business closes, is sold, or stops providing professional services.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Profession and Services
Higher risk professions and complex services generally attract higher premiums.
Policy Limits
Higher liability limits generally increase premiums because insurers assume greater potential losses.
Claims history
Past claims signal future risk, often raising premiums for properties with frequent losses.
Business Revenue
Greater revenue often indicates more clients, transactions, and potential claim exposure.
Experience And Qualifications
Experienced professionals with strong credentials may present lower perceived risk.
Subcontractor Use
Reliance on subcontractors can increase risks unless their work is properly controlled.
Who needs Professional Liability insurance?
Consultants and business advisors, designers, freelancers, and specialized service providers
Any business providing professional advice, expertise, or specialized services
Accountants and financial professionals
Marketing and advertising agencies, lawyers and legal professionals
Healthcare professionals requiring professional liability coverage
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How it works
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