Professional Liability Insurance

Protect the Professional Services You Provide

When clients rely on your advice, expertise, or professional services, even a misunderstanding or mistake can potentially lead to a costly claim.

Professional Liability Insurance, sometimes called Errors & Omissions (E&O) Insurance, can help protect eligible professionals and businesses from certain claims related to mistakes, negligence, errors, or omissions in the professional services they provide.

At Trusted Family Solutions LLC, we can help you explore professional liability coverage based on your business and the services you provide.

Request a Professional Liability Quote

Who May Need Professional Liability Insurance?

Professional liability coverage may be worth considering if customers or organizations rely on your professional knowledge, recommendations, advice, or services.

Depending on eligibility and carrier guidelines, this may include:

• Consultants

• Freelancers and independent professionals

• Business and management consultants

• Bookkeepers and certain financial service professionals

• Technology and IT professionals

• Marketing and creative professionals

• Translators and interpreters

• Educators, tutors, and trainers

• Administrative and business service providers

• Other eligible professional service businesses

What Can Professional Liability Help Cover?

Depending on the policy, professional liability insurance may provide protection for certain claims involving:

Professional Errors or Mistakes
Claims alleging that an error in your professional services caused a client financial harm.

Negligence
Claims alleging that your professional services did not meet an expected standard.

Errors & Omissions
Claims involving something you allegedly did incorrectly — or something you allegedly failed to do.

Legal Defense Costs
Eligible policies may help with certain legal expenses associated with defending a covered professional liability claim.

Actual coverage depends on the policy, carrier, circumstances of the claim, limits, exclusions, and other policy provisions.

General Liability vs. Professional Liability

These coverages protect against different types of business risks.

General Liability Insurance generally focuses on certain claims involving third-party bodily injury, property damage, and related liability risks.

Professional Liability Insurance generally focuses on certain claims arising from the professional services, advice, or expertise your business provides.

Depending on your business, you may benefit from considering both types of coverage.

Does a Client or Contract Require Professional Liability?

Some clients, organizations, and contracts may require independent contractors or professional service providers to maintain professional liability insurance before beginning work.

If you've been asked to obtain coverage or provide proof of insurance, we can help you explore available options and understand the coverage requirement.

Protect Your Professional Work

You've worked hard to build your skills, reputation, and business. Let us help you explore insurance options designed for the professional services you provide.