Professional Liability Insurance

Professional liability insurance, also called errors & omissions (E&O) insurance, helps protect you and your business from claims of negligence or professional misconduct related to the services you provide.
At KSA Insurance, we work with professionals in South Carolina and the southeastern United States to help them find comprehensive professional liability insurance policies that meet their coverage and financial needs.
Contact KSA Insurance today to learn more about professional liability insurance and get a personalized quote.

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What is Professional Liability Insurance?

Professional liability insurance provides coverage for professionals that protects them in the event that they make a mistake when providing services to a customer that results in financial loss.
If a client believes you made an error that resulted in damages for the customer, they can sue you or your business. These types of incidents typically aren’t covered by other business insurance policies, making it a necessary coverage for professionals in certain industries.

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What Does Professional Liability Insurance Cover?

Professional liability insurance can help cover claims of:

Negligence
Misconduct
Misrepresentation
Copyright infringement
Personal injury
Inaccurate professional advice

Even if you didn’t actually make a mistake, a client can sue you if they believe you made an error that resulted in financial loss. Without this coverage, you’d have to pay for legal expenses out of pocket if a customer filed a claim against you.

Who Needs Professional Liability Insurance?

Professional liability insurance is essential for professionals and businesses in certain industries — particularly those that provide expert services to clients and customers.

Professionals that often rely on E&O insurance include:

Consultants
Accountants
Marketing and advertising professionals
Healthcare professionals
IT professionals
Mental health counselors
Occupational therapists
Property managers
Personal trainers
Attorneys
Architects

If you regularly provide professional advice to customers or provide professional services directly to clients, professional liability insurance can protect you against claims of negligence and inaccurate advice.

How Much Does Professional Liability Insurance Cost?

The cost of professional liability insurance can vary significantly depending on several important factors, including:

Years in business
Industry
Claims history
Business size
Number of clients
Number of employees
Location

A KSA Insurance agent can help you understand what factors impact the cost of your policy and help you find an affordable policy that meets your coverage needs.

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Professional liability insurance can help you pay for legal costs if a client claims that your services or advice resulted in financial damages.

KSA Insurance has extensive experience working with professionals in a variety of industries to help them find personalized professional liability insurance policies that protect them from the unexpected.

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