Skip to main content
Lake City, FL1-800-252-6885
Greene & Associates Insurance
Professional reviewing documents at desk

Professional Liability Insurance

Also known as Errors & Omissions (E&O) insurance. Protects professionals and service providers from claims of negligence, mistakes, and failure to perform.

Get a Free E&O Quote 1-800-252-6885

Florida Professional Liability (E&O) Insurance at a Glance

  • Covers claims of negligence, errors, or omissions in the professional services you provide
  • General liability does NOT cover professional mistakes — E&O fills that critical gap
  • Essential for consultants, accountants, IT firms, real estate agents, and any advice-based business
  • Pays for legal defense costs even if the claim is groundless

What's Covered?

Professional liability insurance protects you when clients claim your work caused them financial harm.

Errors & Omissions

Covers claims arising from professional mistakes, oversights, or failure to deliver services as promised.

Legal Defense Costs

Pays for attorney fees, court costs, and settlements — even if the claim is unfounded. Legal defense alone can cost tens of thousands.

Negligence Claims

Protects against allegations that your professional advice or services caused a client financial loss.

Breach of Contract

Covers claims that you failed to fulfill the terms of a professional services agreement.

Misrepresentation

Protects against claims that you misrepresented your services, qualifications, or the expected outcomes of your work.

Copyright Infringement

Covers claims of inadvertent intellectual property infringement in the course of providing professional services.

Who Needs Professional Liability Insurance?

Accountants and bookkeepers
Insurance agents and brokers
Real estate agents and appraisers
Consultants and advisors
IT professionals and technology firms
Architects and engineers
Attorneys and legal professionals
Healthcare practitioners
Financial advisors and planners
Marketing and advertising agencies

Frequently Asked Questions

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.

Related Coverage

General Liability
Cyber Liability
Commercial Umbrella
Commercial Property

Protect Your Professional Reputation

One professional mistake or unhappy client could lead to a costly lawsuit. Get protected with affordable E&O coverage.

Get Your Free Quote or call 1-800-252-6885