Professional Liability Insurance

General liability covers physical injuries and property damage (like someone slipping at your office). Professional liability covers financial losses caused by your professional advice, services, or errors. Most professionals need both types of coverage.

Standard BOPs do not include professional liability coverage. However, some carriers allow you to add a professional liability endorsement to your BOP. We can help you determine the best approach for your business.

Coverage needs depend on your industry, contract requirements, and the potential size of claims. Most professionals carry $1M per claim / $1M or $2M aggregate. Some industries and contracts require higher limits. We'll help you assess your risk.

Yes. Most professional liability policies are claims-made, meaning they cover claims made during the policy period for incidents that occurred after the retroactive date. Occurrence policies cover incidents that happen during the policy period, regardless of when the claim is filed. We'll explain how this affects your coverage.