If your business is built on professional expertise, advice, or specialized services, professional liability insurance is a critical layer of protection.

 

At Infinity Insurance, we help professionals secure Errors & Omissions (E&O) coverage designed to protect against claims that allege financial harm caused by mistakes, oversights, or failure to deliver promised services.

 

Who Needs Professional Liability Insurance?

Professional liability insurance is essential for individuals and businesses whose work requires specialized knowledge, credentials, or judgment. Common professions that benefit from this coverage include:

• Attorneys and legal professionals
• Medical and healthcare providers
• Architects and engineers
• IT and technology professionals
• Real estate brokers and agents
• Business consultants and advisors

 

If your clients rely on your expertise, you are typically held to industry, contractual, and regulatory standards. When expectations are not met—even unintentionally—your business may face costly legal action.

 

How Professional Liability Insurance Works

Even the most experienced professionals can face claims. Professional liability insurance responds when a client alleges that your services or advice caused them a financial loss.

 

Coverage may apply in situations involving:

• Errors or mistakes in your work
• Failure to deliver agreed-upon services or results
• Allegations of negligence
• Professional oversights or omissions

 

Common Claim Scenarios

Work Errors or Mistakes
A small oversight can have significant financial consequences for a client. If a mistake results in a lawsuit, professional liability insurance helps cover legal defense costs and potential settlements.

 

Failure to Deliver Services or Results
If a service or recommendation does not perform as represented in a contract, clients may pursue legal action to recover losses. E&O coverage is designed to address these types of claims.

 

Negligence Allegations
Professionals are often held to a high standard of care. Claims of negligence—defined as failing to act with reasonable care—can lead to expensive litigation and court-awarded damages.

 

What Professional Liability Insurance Does Not Cover

Professional liability insurance generally applies to financial (economic) losses only. Claims involving bodily injury or property damage are typically covered under Commercial General Liability (CGL) policies, which Infinity Insurance can also help arrange as part of a broader coverage strategy.

 

Next Steps

At Infinity Insurance, we take the time to understand your profession, risk exposure, and contractual obligations so we can tailor coverage that fits your business.

 

If you’re ready for a personalized professional liability insurance proposal, call our office or start your quote online today. We’re here to help you protect your reputation, your finances, and your future.