Professional Liability Insurance
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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. Some examples of what could be covered are below:
A photographer is contracted to photograph a graduation 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.
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.
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.
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.
Visit our professional liability coverage details page.
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.
Example professions we insure:
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?
We specialize in professional liability insurance for a range of professional services businesses.
- Confidence: Hiscox Insurance Company Inc. is 'A' rated (Excellent) by A.M. Best.
- 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.
- Passion for service: Knowledgeable agents provide exceptional service - 4.8/5 customer satisfaction rating.
- Tailored coverage: We specialize in businesses like yours and tailor coverage to the risks in your field.
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
Marjorie, Miami, Florida
Prompt and efficient customer service
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."
Jason, Danville, VA
Super easy. Good rate too.
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
Leveda, Medora, Indiana
Fast and friendly service
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.