Professional Liability Insurance

Insurance to back you up in a business disagreement Check Prices
Professional liability insurance

Bungles, fumbles, faux pas — whatever you call them, mistakes and business disagreements can be costly without the right professional liability insurance.

Business errors

A client or customer accuses you of making a professional mistake that cost them money.

Missed deadlines

A customer says you didn’t complete a job, project or paperwork on time and wants you to pay for financial losses.

Accusations of negligence

Someone claims your inaction or wrongdoing caused damage to something or someone.

What is Professional Liability insurance?

Professional liability insurance protects your business against civil lawsuits and negligence claims related to professional mistakes, whether you actually made them or a client just thinks you did. 


Many companies sell a stand-alone professional liability policy while others sell it as part of an insurance package with general liability insurance. One advantage of buying both policies together is that you don’t need to worry about whether something should be covered as part of your general liability insurance or part of your professional liability insurance — you just get it covered. 

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Who needs errors and omissions insurance

Who needs Professional Liability insurance?

Most businesses need professional liability coverage because it provides protection from unexpected expenses if you are accused of a professional mistake. 


Let’s say you’re a plumber installing a sink. You drop your heavy wrench and scratch expensive antique furniture. Most general liability policies would cover that property damage. 


Now, say you install the sink with no issue, but a month later the customer says you caused plumbing damage and they have to replace all their bathroom pipes. That’s where professional liability comes in.

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Why is it important

Why is it important?

If a customer claims you made a mistake — whether you did or not — professional liability coverage can help you move on quickly, avoiding customer confrontations and protecting your reputation. 


If you’re ruled at fault for a mistake, missed deadline or professional negligence, Next insurance can help you cover expenses so you don’t have to pay for everything out of pocket. If you’re falsely accused, your coverage can help pay for defense costs.

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What does it cover

What does Professional Liability insurance cover?

Professional liability business insurance (also known as errors and omissions, or E&O, insurance) helps pay for lawsuit costs and damages if your company is accused of work errors or incomplete projects that cause a client to lose money.

Professional liability can help pay for:


  • Professional negligence (actual or alleged)
  • Legal defense costs
  • Legal judgments


Learn more about what professional liability insurance covers.

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How much does it cost?

How much does Professional Liability insurance cost?

The cost of professional liability insurance depends on the type of work you do and many other factors. With Next, you can rest assured you’re getting customized insurance at an affordable price — all from an insurance company that’s 100% dedicated to you and your small business.  

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How to get insured

How do I get Professional Liability insurance?

With Next Insurance, you can purchase professional liability coverage online and get your certificate of insurance in 10 minutes, or less. 


Start an instant quote to see options for your business. Here’s how the process works:


We’ll ask you some basic questions about your business and operations, including: 


  • Your industry
  • Where you do business
  • How many years you have owned the business
  • Number of employees
  • Expected annual revenue
  • Recent insurance and claims history


After you share your information, you’ll have instant access to a customized insurance quote for professional liability and other recommended coverage. 


If you like what you see, you can adjust the package limits and make your purchase. Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance.


Start a free instant quote today.


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More frequently asked questions

Learn about professional liability insurance with more frequently asked questions about our coverage. If you don’t find the answers you’re looking for, our licensed insurance advisors are standing by to help.


Read more frequently asked questions about professional liability insurance.

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There’s a lot to love about Next:

Get insurance in less than 10 minutes and save up to 30%

Unique, flexible coverage with easy monthly payments

Do it all 100% online or talk to a licensed U.S.-based advisor

Have a great reputation? The right insurance can keep it that way.

We think you’re pretty awesome — but nobody’s perfect. Professional liability offers peace of mind by protecting you from real or perceived mistakes.

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Find the coverage you need, all in one place

With Next Insurance, you’ll find tailored coverage to fit your small business needs. Plus, save up to 10% when you sign up for more than one policy. Win-win. (Note: Coverage and discount eligibility varies from state to state.)