A Businessman with Professional Liability Insurance


Professional Liability Insurance





Get a Quote

Get an instant, free quote and buy online.

Get a Quote
Speak with a licensed insurance agent
Monday – Friday, 8am – 10pm ET
Call 1-866-283-7545
Speak with a licensed insurance agent
Monday – Friday, 8am – 10pm ET
for customer satisfaction (
reviews between 10-25-11 and 4-15-18)
Hiscox rated
out of
reviews between 10-25-11 and 4-15-18.

What is 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. View our quote examples to understand how much professional liability insurance costs. Some examples of what could be covered are below.

What Does Professional Liability Insurance Cover?

What is covered?Check mark icon

  • Alleged or actual negligence
  • Defense costs
  • Personal injury (e.g., libel or slander)
  • Copyright infringement
  • Worldwide coverage
  • Temporary staff and independent contractors
  • Claims arising from services provided in the past
  • Claims and damages

What is not covered?Minus icon

  • Bodily injury or property damage
  • Fraudulent acts
  • Employment matters
  • False advertising
  • Patents and trade secrets
  • Personally identifiable information
  • Other services

Why Do I Need Professional Liability Insurance?

Professional liability insurance coverage gives your business protection from the risks you face in delivering your professional services. The section below discusses everything our professional liability insurance coverage offers since we want you to feel secure about what your policy does and doesn’t cover. 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.

Example Professions We Insure

Your Professional Liability Insurance Policy Covers Claims Of

Alleged or Actual Negligence

Hiscox professional liability insurance coverage protects your business against errors and omissions, actual or alleged, which occur while providing your professional services. This includes giving incorrect advice, an omission, or failing to deliver your service.

Defense Costs


Our job is simple: to be there for you when you need us. When a covered claim is reported, we’ll immediately defend you. We’ll also appoint an attorney if necessary, even if the claim is groundless.

Personal Injury (e.g., Libel or Slander)

Your Hiscox professional liability insurance coverage will protect you against both libel and slander if committed as part of your professional services.

Copyright Infringement

We understand your business faces specific risks. For example, IT or technology consultants can be sued for infringing software code. As a result, we offer IT consultants $200,000 of coverage for damages and claim expenses relating to this risk.

For marketing consultants, we include $200,000 of coverage for damages and claims expenses alleging the infringement of a third party’s copyright or trademark.

Temporary Staff and Independent Contractors

Your professional liability insurance coverage protects you from claims arising from services done by your employees, temporary staff and independent contractors.

Claims Arising from Services Provided in the Past

Hiscox is one of the few insurers to cover unknown claims arising from work completed before you were even insured with us. We cover you even before you purchased your first professional liability insurance policy giving you true peace of mind.

Worldwide Professional Liability Insurance Coverage

Business knows no boundaries. Neither does our coverage. We cover claims arising from work done around the world as long as the claim is filed in the United States, a U.S. territory or Canada.

Claims and Damages

The best-case scenario is to prepare for the worst-case scenario. If you lose a large claim, the costs associated could close your business. Your Hiscox professional liability insurance policy covers claims for damages, including up to $250,000 of punitive damages where allowed by law.

Quote Online or Call a Licensed Insurance Agent



What Your Hiscox Professional Liability Insurance Policy Doesn't Cover

We want our customers to fully understand what they are buying. Below is a summary of some of the key exclusions of your professional liability policy. For complete details of all the exclusions, please read the policy wording.

Bodily Injury or Property Damage

Hiscox professional liability insurance coverage won't cover damages or claims expenses if you injure or damage someone’s property. If you’d like to be covered for bodily injury or property damage liability, please visit our general liability insurance page.

Fraudulent Acts

We won’t cover any fraudulent, dishonest, or criminal acts. However, we’ll defend these actions until they're proven to be fraudulent, dishonest or criminal by proper process in court. If this happens, we’ll kindly request that you reimburse us for those costs.

Employment Matters

We will not cover you for claims alleging any improper employment practices committed against your employees or for any workers’ compensation claims or employer’s liability claims.

False Advertising

Your Hiscox professional liability insurance will not cover you for any false advertising claims.

Personally Identifiable Information

We will not cover your failure to protect any personally identifiable information in your care, custody or control.

Other Services

We will not cover any medical, nursing, insurance broker/agent, legal, actuarial, architectural or engineering services, regardless of your occupation. We will also not cover any services you perform not specified by the services endorsement attached to your policy.

Learn More About Professional Liability Insurance

Cost Example

Visit our professional liability quote examples page to understand the cost of coverage. Please keep in mind that quotes will vary for each business.


We gathered some of the common questions people ask about professional liability insurance, also known as errors and omissions insurance (E & O insurance). If you have any other questions not listed here don't hesitate to contact one of our licensed advisors, either by phone at 1-866-283-7545 (Monday - Friday, 8 am - 10 pm EST) or email.

Visit our professional liability FAQs page.


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:

Why choose Hiscox coverage?

Hiscox specializes in professional liability insurance for professional services businesses like yours.

  • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help manage your cash flow.
  • Tailored Insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
  • 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.
  • Coverage for contracts: Our liability insurance coverage satisfies most standard contract insurance requirements.
  • 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.
  • Passion for Service: Agents knowledgeable about your business concerns will provide you with excellent service – 4.8/5 of people surveyed recommended us.

Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday through Friday from 8am-10pm EST.

Quote online or call a licensed insurance agent

Hiscox Customer Reviews

for customer satisfaction (
reviews between 10-25-11 and 4-15-18)
Hiscox rated
out of
reviews between 10-25-11 and 4-15-18.

5 Stars

Marjorie, Miami, Florida

Prompt and efficient customer service


5 Stars

Peter, Naples, FL

"Painless experience! It was very easy to get the coverage that was needed. I would definitely recommend this to others in small business."


5 Stars

Jason, Danville, VA

"Few words"

Super easy. Good rate too.


4 Stars

Andrew Thomas Clifton, Chicago, Illinois

Simple. Some of the site was a bit overpacked and it slightly overwhelmed me at times but everything else was great


5 Stars

Leveda, Medora, Indiana

Fast and friendly service


See More Reviews

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. Specific coverage terms can vary by class of business. Coverages are subject to underwriting and may not be available in all states.