Professional Liability Insurance in Florida
Also known as Errors & Omissions (E&O) insurance, Professional Liability protects service professionals from claims of negligence, mistakes, or failure to perform.
What Is Professional Liability Insurance?
If your business provides professional services or advice, you could be held liable for financial losses your clients suffer as a result of your work — even if you did nothing wrong. Professional Liability (E&O) insurance covers legal defense costs and damages in these situations.
This coverage is essential for consultants, accountants, IT professionals, real estate agents, insurance agents, notaries, engineers, architects, and any other professional who provides advice or services for a fee.
What's Typically Covered
- Legal defense costs if a client sues over your work
- Damages awarded to the claimant
- Coverage for mistakes, omissions, and negligence claims
- Claims-made policy (covers claims reported during the policy period)
- Prior acts coverage with retroactive date
- Coverage for employees and independent contractors
Frequently Asked Questions
Who needs Professional Liability insurance?
Any professional who provides advice, expertise, or services — including consultants, agents, accountants, engineers, IT professionals, healthcare workers, and more.
Is E&O the same as Professional Liability?
Yes — Errors & Omissions (E&O) and Professional Liability refer to the same type of coverage. Different industries may use different terms.
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