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Professional Liability Insurance

If your profession makes you an expert in a certain area, like medicine, law, engineering or accounting, you could be exposed to one or more professional liability risks. No matter how careful you try to be, we’re all prone to make mistakes – in our personal lives and at work. Professional liability insurance, also sometimes called Errors & Omissions (E&O) insurance, might protect you against claims of negligence, malpractice or misrepresentation.

Professional Liability insurance can protect you and your business from the financial impact of any mistakes or oversights you have made in your professional capacity. Even if you are not at fault, many honest and hardworking business owners have been severely impacted by unjustified lawsuits that diverted time and resources away from the business. Professional liability insurance policies can cover judgments, attorney fees, court costs and settlements.

Who Needs Professional Liability Insurance?

Some people believe that this type of coverage is limited to doctors, lawyers, engineers and accountants. While each of these needs an appropriate errors and omissions policy for their fields, they are far from the only professionals that require this type of insurance coverage. All of these fields, and many more, need this unique form of liability coverage:

  • CoveAccountants, Investment Professionals, Coaches & Financial Planners

  • Architects, Engineers, Consultants & Surveyors
  • Attorneys
  • General Contractors
  • Medical Professionals: Doctors, Veterinarians, Therapists & Chiropractors
  • IT Professionals: Software Development, Web Design & Web Hosting
  • Real Estate: Brokers, Realtors & Title Agents
  • Wedding & Event Planners, Photographers & Videographers
  • Ad Agencies & Commercial Printers

Essentially, all businesses that provide professional services require this type of coverage.


Many people believe they have all their professional needs covered with a commercial general liability insurance policy. This is incorrect! While a general liability policy can provide important coverage, the specific coverage provided is limited, and professional liability issues are excluded from coverage under those general liability policies.

Create a plan to avoid costly professional errors

At Danskin, we want to make sure that a single mistake doesn’t impact your entire business and your other customers. Unfortunately there’s no “one size fits all” professional liability insurance policy and no standard wording. Policies must be carefully written to cover any risks and exposures particular to your type of business. The wording of professional liability insurance policies varies from company to company, and each policy must be read carefully to make sure the coverage fits the exposure.

Trusted Choice Company & Certified PIA Member

Give us a call today and we can help guide you through the process and answer your questions. Let us at Danskin help you get the Professional Liability or Errors & Omissions coverage you need to make sure an honest mistake doesn’t harm your business.

Looking for the Best Coverage - Unsure Where to Start?
Contact the Danskin Agency today and be matched with an agent who will help identify the right coverage for you and your needs. Friendly service always - our customers are like family.
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