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Liability Insurance | General Liability Insurance & Business ...

Get small business liability insurance from Nationwide and protect your ... Our agents will work with you to determine the right type of commercial liability ...

General Liability Insurance | Liberty Mutual Group

general liability insurance customers talking in a conference room ... agent or contact your broker to learn more about general liability coverage for your business ...

GEICO | Professional Liability Insurance Quote ~ Call for a ...

Our business insurance agents will answer your questions and help you get your free rate quote for a professional liability insurance policy.

Professional Liability Malpractice Insurance | American Professional ...

The American Professional Agency, Inc. focuses on Professional Liability Insurance for professionals in the mental health field. We provide professional liability ...

North American Professional Liability Insurance Agency - Errors ...

NAPLIA is your best choice for professional liability or errors and omissions insurance on a national basis.

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EPLI - Employment Practices Liability Insurance | Progressive Agent

Protect your small business with Employment Practices Liability Insurance (EPLI). A local, independent Progressive Agent knows how important your business is ...

Washington State Pollution Liability Insurance Agency - Home Page

Mission. The mission of the Pollution Liability Insurance Agency (PLIA) is to make pollution liability insurance available and affordable to the owners and ...

Insurance Agent Liability in Katrina Litigation - IRMI.com

Dr. Tim Ryles looks at standards applicable to agent liability, particularly as respects advice given on flood insurance.

Travel Agents & Tour Operators Professional Liability Insurance

Travel Agents & Tour Operators Professional Liability Insurance. First Class Insurance Solutions Travel companies have access to Berkely's First Class ...

Business Liability Insurance - Small Business ... - Wells Fargo

Wells Fargo Small Business provides business liability insurance covering your ... Our experienced team of business insurance agents can help you look at the ...

Landy Insurance Agency - Professional Liability Insurance - Errors ...

Landy Insurance Agency provides professional liability insurance, errors and omissions insurance, E&O Insurance, E & O Insurance.

Professional Liability - Independent Insurance Agent

Professional Liability. We realize that protecting the future of your agency is a major priority. You trust us to represent your interests at the highest political level  ...

Professional Liability Insurance


If you're a professional, such as a lawyer, accountant or architect, you're vulnerable to lawsuits. Defending yourself and your business in a lawsuit – even one that's a frivolous claim – can drain your finances, sap your time and possibly ruin your business.

To protect yourself and your company, professional liability coverage is extremely important. What you would pay for a monthly deductible is far less than the costs you'd face to defend a lawsuit. When shopping for professional liability insurance, consider:

  1. If the policy covers legal fees and expenses in addition to damages.
  2. If the policy's coverage limit will cover all of the potential fees and damages.
  3. If you can afford the deductible.
  4. Who's covered by the policy.
  5. If the policy covers prior acts.
  6. If the policy covers mental anguish or only tangible losses.
  7. If the policy is on a claims-made basis (meaning that coverage applies to claims made during the policy period regardless of when the incident occurred).

Errors and omissions

If a customer holds you responsible for errors or for the failure of your services of products to perform as promised, errors and omissions insurance can protect your company. Coverage typically includes court costs in addition to any judgments against you. Remember that general liability polices won't cover error and omissions.

Employment practices liability

This form of liability insurance protects employers from claims made by employees, former employees and potential hires. Coverage includes claims, such as sexual harassment and wrongful termination. Coverage generally covers an entire firm, including its directors and officers.

Directors and officers

Management can be sued as a result of their performance on the job. Errors and omissions policies don't cover directors and officers. A separate directors and officers liability insurance policy is often recommended to provide financial protection in the event of a lawsuit.

Group personal excess liability

This form of liability insurance can protect the personal assets of managers and key employees.

Tax and financial services

Professional liability insurance is available for tax and financial services providers, including those who perform tax return preparation, bookkeeping services, payroll processing services and financial planning.

Lawyers

The exposure to legal malpractice suits is higher than ever and small firms aren't exempt. At this time, all lawyers professional liability insurance is claims-made. Some policies offer "tail coverage", which means the policy is still in effect for a predetermined period of time after a law firm is dissolved, a lawyer retires or a policy has been canceled.

Architects and engineers

Similar to malpractice insurance, this variation of errors and omissions insurance is designed specifically for architects, engineers and other design professionals.

Information technology

Computer consulting and IT services firms are also potential targets for lawsuits.
  • Ask your broker exactly what each policy covers and which one is right for your specific business.
  • Avoid having any gaps in your policy. Make sure your policies cover several contingencies such as what happens if an employee sues you for discrimination or if someone falls and gets injured in your office.
  • Look for a broker who specializes in your industry.