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Protect Your Business Against Liability Damages

As a professional operating in today’s increasingly litigious environment, you could easily be subject to allegations by unhappy clients who may feel they have been harmed by your actions or inactions.

Professional Liability insurance, also known as Errors and Omissions (E & O Insurance), protects your business against claims made for inadequate work or negligent actions. It will also help you and your firm pay defense costs and judgments that come from these claims.

Do I need professional liability insurance? Probably yes

If you have a small businesses that provides professional services or gives advice to clients, you should consider purchasing professional liability insurance.

It will provide protection when you as a business owner are sued for negligence because your work didn’t meet your client’s expectations.

Professional liability insurance can also be required by a small business’ clients when entering into a contract.

Professional Liability Insurance coverage could defend you and, if necessary pay for damages for which the business is found liable, up to the policy limits.

Professional liability insurance offers a variety of coverages:

Alleged or actual negligence

Alleged or actual negligence protects your business against actual or alleged errors and omissions when providing professional services, such as giving incorrect advice, an omission, or failing to deliver a service.

Copyright infringement

Copyright infringement can provide coverage for damages or claims expenses for copyright infringement.

Personal injury (libel or slander)

Personal injury (libel or slander) can provide protection for small businesses against both libel and slander if it’s committed as part of your professional services.

Defense costs

Defense costs provides legal defense when a covered claim is reported.

Professional liability insurance can also offer coverage for claims from services provided in the past and work performed anywhere in the world.