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HomeBusiness insuranceProfessional liability

Professional liability insurance for the work you deliver.

Also called errors and omissions. Coverage for claims that a service you provided caused a client harm, including defense costs. Tell us what you do and a licensed agent follows up.

Request a quoteWhat it covers

Or call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

What it covers

What applies, and how much, depends on how your business actually runs.

  • Claims about your workClaims that the business failed to perform a job properly and a client was harmed.
  • Legal defenseDefense costs, even when there has been no wrongdoing.
  • JudgmentsAny judgment the business is legally liable for, up to the policy limit.

FAQ

Professional liability, explained plainly

What is professional liability insurance?

Also called errors and omissions (E&O) insurance, it covers claims by customers, clients or patients that the business’s failure to perform a job properly injured them.

Which businesses need it?

Businesses whose work involves giving advice, making recommendations, designing things, providing physical care or representing the needs of others.

What does it pay for?

Any judgment the business is legally liable for, up to the policy limit, plus legal defense costs, even when there has been no wrongdoing.

How is it different from general liability?

General liability covers injury or property damage tied to your premises, products and completed work. Professional liability covers claims that the service or advice itself was done wrong.

Sources: Insurance Information Institute, small business insurance basics · California Department of Insurance, Commercial Insurance Guide. Coverage, price and approval are decided by the insurance company.

What to have ready

  • What services you provide, and to whom
  • Your annual revenue, if you know it
  • What you have in place now, if anything

What happens next

  1. Tell us what you need. A few quick questions. It takes about two minutes.
  2. We review it. Someone licensed reads every request.
  3. We reach out. We talk it through with you. There is no obligation.
Request a quoteCall (619) 382-3810

Not sure which coverage you need?

Tell us how the business runs. A licensed agent works through which coverage belongs in the conversation.

Start the conversation

You may also need

  • If you request a quote, a licensed insurance agent may contact you.
  • Insurance: Coverage, price and approval are decided by the insurance company.