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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.



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

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