Professional Liability Insurance

Professional Liability Insurance See how much you could save your business.

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What is professional liability insurance?

Professional liability insurance is coverage for businesses that protect against claims from their clients. Professional liability insurance commonly covers negligence, copyright infringement, personal injury, and more. This can include damages caused by things you did and/or things that you should have done.

Although many types of businesses can be helped with this coverage, let's look at a few real life examples. Let's say you're a project manager. You accidentally forget to get to tell your client about needed sign offs causing project delays that increase the cost. Or maybe you're a massage therapist and your client sues you, claiming you caused tissue damage. These are just a few of the cases that professional liability insurance could help you with. Many people often pair it with general liability insurance for more complete coverage.

You should consider professional liability insurance if your business provides:
  • A professional service
  • Regular professional advice to clients
  • Contractual service to your clients

How much does professional liability insurance cost?

Every business' needs are different. A lot of things impact how much your premium will be. We're ready to work with you to get the coverage you need at a great price. See how much you could save on professional liability insurance through GEICO today.

Why do I need professional liability insurance (PLI)?

Some jobs and contracts require PLI. Beyond that, mistakes happen. Make sure that you and your business are protected with the right coverage.

What does a professional liability insurance policy cover?

Common items covered are:

Mistakes Or Negligence

Services provided (or not provided) by your company that result in client damages.

Copyright Infringement

Copyright law issues, mistakes, oversights, and misunderstandings.

Personal Injury

Claims for libel or slander, whether they're true or not.

What else is covered under professional liability insurance?

Previously Performed Services

This is protection for current and previous work completed (for an agreed upon timeframe).

This timeframe is important to consider as things outside of this timeframe would not be covered.

Defense Costs

Legal defense costs associated with lawsuits against your company (regardless of fault).

Temporary Staff and Independent Contractors

Your employees, including temporary staff and independent contractors.

What type of business can be covered by professional liability (or E&O) insurance?

Whether you own small business, a growing one, large company, or starting a new business, we could help you save on your professional liability insurance. Business examples include:

  • Beauticians/Salon Services
  • Career/Business Trainers & Coaches
  • Family/Mental Health Counselors
  • Management/Business Consultants
  • Occupational Therapists
  • Personal Trainers
  • Photographers
  • Real Estate/Property Managers
  • IT Consultants
  • And more...

GEICO could help you save on other business insurance.

We often recommend general liability insurance to go with professional liability.

Example: A client slips, falls, and injures their back at your place of business. General liability could cover their medical bills.

This 2-in-1 policy includes general liability plus protection for your property.

Example: A fire damages your office. A BOP could cover repairs to your office and help pay your employees' wages while business is interrupted.

A personal auto policy is not enough to cover vehicles used for business.

Example: On a job site, a carpenter accidentally backs into the homeowner's car. Commercial auto insurance could cover the damage.

Need to speak with us?

You can reach us at (800) 841-1621

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Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Professional Liability Insurance coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. We can help you secure business insurance in all states except Hawaii.

The information you provide will be shared with our business partners so that they can return a quote.

For online quotes:

GEICO Insurance Agency, Inc. has partnered with Hiscox Insurance to provide business insurance products. When you click on “START QUOTE,” and, “professional liability insurance policy online,” you will be taken to the Hiscox website, which is not owned or controlled by GEICO.

GEICO has no control over the privacy practices of Hiscox and assumes no responsibility in connection with your use of their website. Any information that you directly provide to Hiscox is subject to the privacy policy posted on their website. All business products offered are written on an admitted basis (Hiscox Insurance Co., Inc.) with A.M. Best credit rating of 'A' (Excellent) and financial size XI.