Commercial liability umbrella insurance
Extra coverage can help you prepare for the things you don’t see coming.
What is professional liability insurance?
Professional liability insurance—often called errors and omissions (E&O) insurance—helps safeguard your business if a client sues you for negligence, mistakes, or failure to deliver services as promised. It’s designed to cover legal costs and potential settlements related to the professional services you provide.
What it Covers
People are increasingly inclined to sue a business or service provider if they feel your mistake has caused them harm or loss. Professional liability insurance offers protection against:
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Actual or alleged acts or errors
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Libel and slander allegations arising out of your professional services
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Cost of legal defense for covered liability claims
How much is professional liability insurance?
People are increasingly inclined to sue a business or service provider if they feel your mistake has caused them harm or loss. Professional liability insurance offers protection against:
Do I need professional liability insurance for my business?
You might assume that your general liability policy covers professional mistakes—but that’s not usually the case. Unless your policy specifically includes professional liability coverage, you’re likely not protected against things like a botched hair color, errors on a client’s tax return, or a misdiagnosis of a pet’s illness.
If you’re a hair salon owner, veterinarian, architect, accountant, or another type of service-based professional, professional liability insurance is worth serious consideration. Without it, you could be stuck paying out-of-pocket for legal fees and damages—expenses that could jeopardize your entire business.
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Customizable insurance
Harbor One offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.
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