Business

Professional Liability

Also known as Errors & Omissions (E&O) insurance. Protects against claims of negligence, mistakes, or inadequate work performance in your professional services.

Per Claim Limit

Up to $1M

Aggregate Limit

Up to $3M

Deductible

$0-$2,500

Available

50 States

What does Professional Liability cover?

Professional Liability (E&O) is designed to help protect consultants, freelancers, and service-based businesses against claims of negligence, errors, omissions, or inadequate work. If a client alleges your advice or service caused them financial harm, this policy can help cover your defense costs and any resulting damages, up to your policy limits.

Why does Professional Liability matter?

Errors and Omissions

If a client claims your advice or service caused them a financial loss, this coverage is designed to respond. For service professionals, even a well-intentioned mistake can lead to a costly dispute.

Negligence Claims

Allegations of negligence or misrepresentation can surface long after a project ends. Professional Liability is designed to defend you against these claims and help pay covered damages, up to your policy limits.

Legal Defense Included

Even a baseless claim can cost thousands to fight. Your policy is designed to cover legal defense costs so you're not paying out of pocket to defend your work.

Prior Acts Coverage

Work you completed before this policy started may still be covered through prior acts and retroactive date options. This helps protect you against claims tied to past projects.

What Professional Liability Covers

Protection for service-based businesses against claims of professional mistakes

Negligence Claims

When clients claim your professional advice or services caused them financial harm or failed to meet industry standards.

Errors & Omissions

Mistakes in your work, missed deadlines, or failure to deliver services as promised that result in client losses.

Legal Defense Costs

Attorney fees, court costs, and settlement expenses, even if the claim against you is groundless or false.

Who Needs Professional Liability?

Essential for any business providing professional services or expert advice

Consultants

Strategy, management, business advice

Designers

Graphic, web, interior design

IT Services

Tech support, web development

Freelancers

Writers, editors, marketers, influencers

What's included?

Claims-made coverage for professional services

Errors and omissions protection

Negligence and misrepresentation defense

Prior acts coverage available

Damages and settlements covered, up to limits

Defense costs included (within limits)

Worldwide coverage for US-based operations

Retroactive date options

Why you need this

Real situations where professional liability protects service providers

Client claims your advice caused loss

A business consultant's strategic recommendation leads to client revenue decline. Professional liability is designed to help cover the resulting lawsuit and damages, subject to policy terms.

Error in your work delays project

A web developer's coding mistake causes a client's e-commerce site to crash during peak sales. Coverage may respond to the resulting lost revenue claim, subject to policy terms.

Missed deadline costs client money

A marketing freelancer misses a campaign launch deadline, causing client to lose seasonal sales. The policy is designed to help cover the financial damages claimed, subject to policy terms.

Client says the work missed the agreed scope

A designer delivers a brand package the client says does not meet the agreed brief, and the client demands their fees back plus the cost of redoing it. Professional liability is designed to help cover the resulting claim, subject to policy terms.

Who is this for?

Consultant — Covers claims that your advice caused a client financial loss, even if the advice was sound.

Consultant insurance

Photographer — Covers a reshoot demand or missed-shot dispute after a client is unhappy with delivered work.

Photographer insurance

Notary — Covers an error in a notarization that leads to a legal or financial dispute.

Notary insurance

Personal trainer — Covers a claim that a training program or nutrition advice caused harm.

Personal trainer insurance

Freelancer — Covers claims of missed deadlines, errors in deliverables, or advice a client says cost them money.

Freelancer insurance

Real estate agent — Covers claims that your advice, disclosures, or paperwork caused a buyer or seller financial harm.

Real estate agent insurance

Massage therapist — Covers claims that the massage technique itself caused harm, from a nerve injury to a reaction to a product.

Massage therapist insurance

Esthetician — Covers claims that a treatment caused harm, like a chemical peel burn or an extraction gone wrong.

Esthetician insurance

Yoga instructor — Covers claims that your instruction or a hands-on adjustment caused an injury.

Yoga instructor insurance

Hair stylist — Covers claims that a colour reaction, a burn from a service, or bad advice caused harm.

Hair stylist insurance

See every profession we cover

What are the limits and deductibles?

Per Claim Limit

Up to $1M

Aggregate Limit

Up to $3M

Deductible

$0-$2,500

Starting Premium

from $25/mo

Frequently Asked Questions

What is the difference between Professional Liability and General Liability?

General Liability covers physical risks like bodily injury and property damage. Professional Liability, also called Errors and Omissions, covers financial harm a client suffers because of your professional advice, service, or work.

Who needs Professional Liability insurance?

Consultants, freelancers, coaches, designers, and other service-based businesses that give advice or deliver professional work should carry it, because they can be held responsible for a client's financial losses.

How much coverage can I get?

Policies are typically available with per-occurrence limits of up to $1 million and aggregate limits up to $3 million. The right amount depends on your industry

What does claims-made coverage mean?

A claims-made policy covers claims that are both made and reported while the policy is active, as long as the incident happened after your retroactive date. Keeping continuous coverage is important to avoid gaps.

Does this policy cover work I did before buying it?

It can. Prior acts coverage and retroactive date options extend protection to qualifying past work, but this needs to be set up when your policy is issued.

How does defense costs outside the limits help me?

It means your legal defense is paid separately from your coverage limit, so the full limit stays available to resolve the claim itself rather than being reduced by attorney fees.

Am I covered if I work with international clients?

Worldwide coverage is available for US-based operations, so you can serve clients in other countries while keeping your business protected.

Protect your work with Professional Liability.

Also known as Errors & Omissions (E&O) insurance. Protects against claims of negligence, mistakes, or inadequate work performance in your professional services.

Starting at $25/month

Not sure what you need?

We'll work together to find the coverage that's right for you.

Solo entrepreneurs often bundle these products for complete protection

Covers injuries and property damage from your business operationsLearn More about General Liability
Protection from data breaches and cyber attacks on your businessLearn More about Cyber Liability
Covers damage or loss of your business equipment and inventoryLearn More about Business Property

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.