Professional Liability (Errors & Omissions)

If your business provides professional services, advice, or expertise, you face a unique set of risks. Even the most experienced professionals can face claims of negligence, mistakes, or failure to deliver expected results. Professional Liability Insurance, also known as Errors & Omissions (E&O) Insurance, protects you against those costly claims.
At Total Insurance Group, LLC, we serve consultants, engineers, architects, accountants, IT professionals, and other service providers throughout Southwest Florida. E&O coverage helps pay for legal defense, court costs, and settlements if a client alleges that your professional services caused financial harm.
In an increasingly litigious business environment, one lawsuit (even if unfounded) can drain time, money, and reputation. Professional Liability Insurance provides peace of mind and helps you maintain your credibility with clients.
Our experienced agents will help you tailor a policy to your specific industry, ensuring your coverage addresses your unique professional exposures. With our guidance, you can focus on delivering quality service while we handle your risk protection.
Frequently Asked Questions
Who needs Professional Liability Insurance?
Anyone providing professional services or advice, consultants, engineers, architects, accountants, real estate agents, and more.
Does it cover intentional wrongdoing?
No. It covers negligence, mistakes, or failure to deliver professional services, but not deliberate misconduct or fraud.
Is E&O the same as malpractice insurance?
Essentially yes. Malpractice insurance is a type of professional liability coverage specific to medical and legal professions.
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