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Professional Liability Insurance

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Why do you need professional liability insurance?

Professional liability insurance, also called errors and omissions insurance (E & O insurance) or indemnity insurance, protects your business if you are sued for negligently performing your services, even if you haven’t made a mistake. Some examples of what could be covered are below:

  • Dissatisfied Client: A consultant is hired to increase a company’s efficiency. The consultant advises the company to implement several internal processes, however the recommendations are not implemented as specified and productivity decreases rather than improving, causing the client to sue the consultant. A professional liability insurance policy could protect the consultant, even if no mistake was made.
  • Negligent Acts: A photographer is contracted to photograph an engagement party, but forgets to take pictures of the graduate with key family members. The client makes a claim against the photographer for failure to deliver the services agreed upon. A professional liability insurance policy could protect the photographer if such a claim is made.



You should seriously consider professional liability insurance coverage if your business:

  • provides a professional service.
  • regularly gives advice to clients.
  • is requested by a client to have professional liability insurance to complete a contract.


Get Liability Insurance that best meets your needs.

Professional liability insurance will not protect you from everything. For example, it will not provide indemnity from another person’s claims of bodily injury. Some people buy other business insurance along with professional liability including:

  • General Liability Insurance, also known as commercial general liability insurance (CGL), is coverage for your business from another person or business’s claims of bodily injury, associated medical costs and damage to property.
  • Business Owner’s Policy (BOP) is enhanced insurance that combines general liability insurance and property insurance.



Additional coverage benefits:


We offer additional benefits outlines below: 


  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Work done by temporary staff: Our professional liability insurance covers work done by your employees, temporary staff and independent contractors.
  • Past work covered: Unlike some insurers, we cover unknown claims arising from work completed before you were even insured with us, back to an agreed date.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.



Why Choose Hiscox?

We specialize in professional liability insurance for a range of professional services businesses.


  • Tailored coverage: We specialize in businesses like yours and tailor coverage to the risks in your field.
  • Passion for service: Knowledgeable agents provide exceptional service - 4.8/5 customer satisfaction rating.
  • Coverage for contracts: Our professional liability coverage satisfies most standard contract insurance requirements.
  • Fast and simple: Online quotes or speak to a licensed agent - immediate coverage. See some sample professional liability insurance quotes.
  • Confidence: Hiscox Insurance Company Inc. is 'A' rated (Excellent) by A.M. Best.

Learn more about the benefits of choosing Hiscox insurance.

Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you still have questions, read our professional liability insurance FAQs or you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.


Rated 4.8/5 for customer satisfaction on feefo – 8,531 reviews


Richard, Cincinatti, OH
“Excellent customer service! The ability to obtain the insurance quickly and efficiently was excellent. My only issue was that I had saved a policy without purchasing, came back to purchase, made an edit to the company name, and that edit did not carry over to the final purchase. I then had to call customer service to have it addressed. This is when I was really impressed with their service, because the person on the other end quickly understood the problem, and addressed it.”



Bruce, Minneapolis, MN
"Architect/Construction Manager very satisfied w/ the Hiscox Experience. Hiscox made what I was anticipating would be a stressful experience very easy."



Kathleen, Chicago, IL
"Super easy and Necessary. Very easy and straightforward.”

Douglas, Michigan
“EXCELLENT VALUE Insurance is just what I need for my small business. Price was fair and affordable. I have read the coverage and the insurance is an excellent value.”



Isaac Fram, Boston, MA
"Excellent insurance offering and service. Very professional, prompt and courteous service. Not to mention the very attractive terms of the policy. I would definitely recommend Hiscox to other small businesses.”



Ms. Pam, New York, NY
"My experience this far is good. The rate was excellent in comparison to my previous INS CO. The REP was very knowledgeable and helpful.  It was good being able to speak to a live person opposed to speaking to a computer. "



Evelyn, Petersburg, VA
All persons spoke with were very pleasant, knowledgeable and helpful. Pricing was very competitive. Overall nice experience.



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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm ET