PROFESSIONAL LIABILITY INSURANCE
Professional Liability Insurance for Florida Businesses
Errors and Omissions Insurance
Protect your business from claims of negligence, mistakes, or missed deadlines with coverage tailored to your professional services.
What You Get
What Professional Liability Covers
Negligence, errors, and omissions in your professional services
Failure to deliver work as promised or missed deadlines that cause client loss
Misstatements or inaccurate advice that leads to financial damage
Defense costs and settlements, subject to limits and deductible
Contractual liability limited coverage where allowed by policy wording
Optional add-ons like media liability or limited privacy claims when available
E&O is a claims-made policy. We help you manage the retroactive date and extended reporting options.
What It Does Not Cover
Bodily injury or property damage on premises, use General Liability
Employee injuries, use Workers’ Compensation
Damage to your own property or autos, use Commercial Property or Commercial Auto
Fraud, criminal acts, or knowingly wrongful conduct
Employment-related issues like harassment, use EPLI
Cyber events unless specifically endorsed, consider Cyber Liability
Related Coverages to Consider
Based on your contracts and operations, you may also need:
General Liability – third-party bodily injury or property damage on premises
Cyber Liability – data breaches, ransomware, privacy events
EPLI (Employment Practices Liability) – harassment, discrimination, wrongful termination
Commercial Property / Business Owner’s Policy (BOP) – business contents, equipment, and property
Commercial Auto – vehicles used for business
Requirements vary by carrier and industry. We’ll help you choose what’s appropriate.
Why Florida Businesses Choose Us?
Florida commercial team that reads contracts and matches insurance wording
Quotes from multiple carriers, clear explanation of forms and exclusions
Fast certificates of insurance for clients and vendors
Guidance on retro dates, limits, and deductibles that fit your risk
Help with claims, audits, and annual reviews
Bilingual friendly service
Talk to a Commercial Specialist
Frequently Asked Questions
What is professional liability insurance?
It helps protect service businesses from claims that your advice, design, or services caused a client financial harm.
How is it different from general liability?
General liability handles bodily injury and property damage to others. Professional liability handles mistakes in your services or advice.
Are these policies claims made?
Most E and O policies are claims made, which means the claim must be made and reported during the policy period. We will explain retro dates and tail options.
What limits do most clients choose?
Many service firms start at 1 million per claim with a 1 to 2 million aggregate. Contract requirements and risk profile drive the final choice.
Does it cover intentional wrongdoing or guarantees of results?
No. Policies exclude intentional acts and promises of specific outcomes. We will review common exclusions with you.
Can I add prior acts coverage?
Often yes. If you have continuous coverage, we work to maintain or align your retroactive date.
Industries We Insure
Consultants and coaches, marketing and creative agencies, IT and software, web designers and developers, accountants and tax preparers, real estate agents and property managers, insurance professionals, engineers and design trades, health and wellness practitioners with non-medical E&O, and many more. Ask us about specialized forms if you need medical malpractice.
Florida Add-Ons We Recommend
Technology or media liability for content, copyright, or performance of tech services
Subpoena assistance and disciplinary proceedings coverage
Breach of contract carve-backs where available
Cyber Liability for data breach and ransomware
Worldwide coverage for suits brought in the U.S. and its territories
First dollar defense or defense outside limits when available
Customers Feedback
Other Insurances
Personal Insurance
Life, Health, Home, and Auto protection, made simple.
Honest advice from local experts.
Commercial Property
Protects your building, equipment, and inventory against fire, theft, or other covered risks.
Employment Practices Liability
Coverage for employee claims like discrimination, harassment, and wrongful termination.
Business Owner’s Policy (BOP)
Combines liability and property coverage into one affordable, convenient package.
Workers’ Compensation
Provides coverage for employees injured on the job, including medical bills and lost wages.
Professional Liability
Protects you if a client claims your service caused them financial loss.
Commercial Auto Insurance
Covers vehicles your business relies on, from service vans to delivery trucks.
Cyber Liability Insurance
Keeps your business secure against data breaches and cyberattacks.
General Liability Insurance
Shields your business from costly claims such as customer injuries or property damage.