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Professional Liability Insurance, also known as Errors and Omissions Insurance, is designed to protect you and your small business  against claims of a negligent act, error or omission in the performance or failure to perform professional services. While Commercial General Liability is extremely important and provides coverage for third party bodily injury or property damage, it typically does not cover any losses due to professional services, and specifically does not cover allegations of financial loss arising from your professional services or advice. If you are a consultant (whether it be IT, marketing, HR, management), an engineer, or a finance professional, to name a few, your clients could accuse you of bad advice leading to a financial impact on their part.


As a result, Professional liability insurance is extremely important for anyone engaged in providing professional services or advice, not only to cover damages but also for defense costs. Regardless of whether or not you are actually found to be negligent, the legal costs associated with defending yourself could result in a significant financial setback. Protect your personal financial future and the longevity of your business by purchasing Professional Liability Insurance. For a small business, it can often be extremely affordable relative to the protection and peace of mind it brings.