Professional liability

Professional Liability (E&O) Insurance

If a client claims your work, advice, or service cost them money, professional liability responds where general liability doesn't.

  • Errors & omissions claims
  • Defense costs
  • Contract-required limits
  • Claims-made policy guidance

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Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.

What professional liability covers

  • Negligent acts, errors, or omissions in the professional services you provide.
  • Defense costs — often the largest expense, even for claims without merit.
  • Financial harm to a client resulting from your work.

Who commonly buys it

Consultants, real estate and insurance professionals, IT and marketing firms, accountants, designers, and medical or allied health practices.

Related coverage

Frequently asked questions

Is professional liability the same as E&O?▾

Yes — errors & omissions (E&O) is the same category of coverage, protecting against claims of professional mistakes or negligent advice.

Doesn't general liability already cover this?▾

No. General liability handles physical injury and property damage; professional liability handles financial harm from your work or advice.

Who needs professional liability insurance?▾

Businesses that give advice or provide professional services — consultants, real estate professionals, accountants, IT firms, designers, and more.

Is professional liability the same as E&O?▾

Yes. Errors & omissions (E&O) is another name for professional liability insurance.

What is a claims-made policy?▾

Most professional liability policies are claims-made, meaning the policy in force when the claim is made responds, subject to the retroactive date.

Does professional liability cover defense costs?▾

Professional liability typically covers legal defense costs, which can be significant even when a claim has no merit.

Does general liability cover professional mistakes?▾

No. General liability covers bodily injury and property damage; professional liability covers financial loss from errors in your services.

What affects professional liability pricing?▾

Your profession, revenue, years in business, claims history, contract types, and the limits and deductible you choose.

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