Professional Liability Insurance

Professional—Liability Insurance Get A Free Quote And Protect Your Business

Or, call (800) 841-1621

Need a professional liability insurance quote?

Existing policyholder?

Access your policy

What is professional liability insurance?

Professional Liability Insurance (PLI), also called Errors & Omissions Insurance (E&O), in combination with your general liability insurance provides additional coverage should a customer/client be harmed as a result of your service or advice if you're legally found at fault.

Why do I need professional liability insurance?

As a business owner, you face risks every day just by delivering your professional services. Professional liability insurance can help protect you from these risks.

Who should consider professional liability insurance?

If your business:
  • Provides a professional service
  • Regularly gives advice to clients
  • Services your client for contractual purposes

What does a professional liability insurance policy cover?

Your policy is the best place to review your coverages, but a few common items covered are:

Alleged Mistakes Or Negligence

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

Copyright Infringement

Copyright law issues along with mistakes, oversights, and misunderstandings sometimes occur-no matter how hard you work to guard against them.

Personal Injury

Personal injury claims such as libel and slander (regardless if the claims are valid or not).

What other items may be covered under professional liability insurance?

Previously Performed Services

Service completed (for an agreed timeframe), which is protection for current, future, and previous work-all in one policy.

Defense Costs

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

Temporary Staff And Independent Contractors

Employees representing your company, including temporary staff and independent contractors.

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

If your business provides customers with specialized or creative services, you need professional liability or E&O insurance. Mistakes happen, that's where we can help you with insurance protection.

Designed for a wide range of occupations, there is a professional liability or E&O insurance policy that will help with your business needs. Below are a few examples of businesses that can be covered:

  • 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...

Ready to get an online professional liability insurance quote?

You can also get a quote and purchase a professional liability insurance policy online anytime.

Need to speak with us?

You can reach us at (800) 841-1621

  • Sales
  • Mon – Fri
    8:00 am – 9:00 pm (ET)
  • Sat
    10:00 am – 6:00 pm (ET)

Do you need other business coverage? GEICO can help.

We often recommend general liability insurance to go with professional liability. A general liability policy can cover:

  • Cases where you or your employees accidentally injure someone or damage their property
  • Incidents at your place of business, your office, and job sites

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

Get a Quote

This 2-in-1 policy includes general liability plus protection for your property. It can cover:

  • Your business location, merchandise, store contents, and equipment
  • Business interruption expenses and loss of income
  • Cases where someone is hurt on your premises

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

Get a Quote

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

  • Offers more liability coverage to protect you
  • Can include cars, pickup trucks, box trucks, and more

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

Get a Quote

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.