Professional Liability Insurance

If a client says your advice, work or service cost them money, even if you did nothing wrong, you still have to defend yourself. Professional liability insurance, often called errors and omissions (E&O), pays for that defense and for a covered settlement or judgment. Do Right Insurance compares 15+ carriers to find coverage that fits your profession.

Who needs it

Anyone who sells advice, expertise or a service: consultants, agencies, designers, engineers, accountants, technology companies and many more.

What it covers

• Claims of mistakes, negligence or failure to deliver a service
• Missed deadlines or advice that didn’t work out
• Legal defense costs, even when the claim is baseless
• Covered settlements and judgments

What it doesn’t cover

Professional liability is not the same as general liability. It doesn’t cover bodily injury or property damage, which general liability handles. It also doesn’t cover intentional or criminal acts. Most businesses that need one need both, and we can set them up together.

Claims-made policies

Most professional liability policies are "claims-made," which means coverage applies when the claim is made and the policy is in force. Gaps in coverage can leave you exposed, so we’ll explain how renewals and any retroactive date work before you buy.

Executive liability (D&O)

Directors and officers (D&O) insurance protects the leaders of a company from claims over how they ran it. Ask us whether it fits your business.

Common questions

Do I need it if I already have general liability?

Usually yes. The two cover different kinds of claims.

How much coverage should I carry?

It depends on your contracts, your clients and the size of your work. Your clients may ask for proof of coverage. Call us and we’ll help you choose.

Can you provide certificates of insurance?

Ask us whenever a client or contract requires proof of coverage.

Get a professional liability quote

Call 801-352-7100 or request a quote online.