Professional Liability Insurance in Orlando, FL

If your business provides advice, services, or expertise to clients, you face a risk that general liability doesn't cover: professional negligence claims. Professional liability insurance — also called Errors & Omissions (E&O) — protects your business when a client claims your work caused them financial harm.

What Professional Liability Covers

• Errors and mistakes — A mistake in your work product that causes a client financial loss
• Omissions — Failing to deliver a service or missing a critical detail
• Negligence claims — Allegations that your professional advice was substandard
• Breach of duty — Failing to meet the standard of care expected in your profession
• Defense costs — Attorney fees, court costs, and settlements — even if the claim is baseless

Who Needs E&O Insurance?

Many clients and contracts require proof of E&O coverage before you can do business. Even if it's not required, one lawsuit can easily cost $50,000-$100,000+ in defense costs alone — whether you win or lose.

Claims-Made vs. Occurrence Policies

Most professional liability policies are claims-made, meaning they cover claims filed during the policy period — regardless of when the incident occurred (as long as it happened after the policy's retroactive date). This is different from occurrence-based policies common in general liability.

If you switch carriers or cancel a claims-made policy, you'll need tail coverage (also called an Extended Reporting Period) to cover claims filed after cancellation for past work. We help navigate these details to ensure there are no gaps.

Frequently Asked Questions