Professional Liability Insurance

Do I need professional liability insurance?

Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This can help to protect them against financial losses from lawsuits filed against them by their clients.

Professionals are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired, according to the standards of conduct in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. When liability is limited to acts of negligence, professional liability insurance may be called “errors and omissions” liability.

Professional liability insurance is a specialty coverage. Professional liability coverage is not provided under homeowners endorsements, in-home business policies or businessowners policies (BOPs). Always review your coverage with your agent to determine if you have the apropriate coverage for your Profession.

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“Note  the information on this page is for informative and educational purposes only and is not a contract for insurance please review any and all policies specific language contained within the policies and consult your insurance agent/and or legal counsel to review actual coverage provided in any policies you choose to purchase.”