Professional Liability Insurance

Protect Your Expertise with Professional Liability Insurance

Coverage for errors, omissions, and negligence in the services you provide

Professional Liability Coverage for Service Providers

If your business offers advice, consulting, or professional services, one mistake or oversight can lead to costly lawsuits. At Peterman Insurance Services, our nurse-led perspective ensures you get tailored Errors & Omissions (E&O) coverage—so you can focus on serving clients with confidence and safeguard your reputation.

Errors & Omissions Protection

Covers defense costs and settlements if a client alleges negligence, misrepresentation, or inadequate work.

Claims-Made Policy Flexibility
Choose retroactive dates and tail coverage options to ensure you’re protected for both current and past work.

Contractural Requirment Support

Meet client and vendor contract demands with industry-standard limits and endorsements.

Your Professional liability insurance Questions, Answered

Find clear answers to common Professional Liability Insurance questions—so you understand how to protect your services and meet client expectations.

Also known as Errors & Omissions (E&O) insurance, it protects service providers against claims of negligence, errors, or failure to deliver promised services.

Consultants, healthcare professionals, architects, engineers, IT specialists, and any business that provides advice or professional services should consider E&O coverage.

Insurers evaluate your industry, revenue, claims history, contract requirements, and chosen coverage limits to set your premium.

Claims-made policies cover claims reported during the policy period (with possible tail coverage for later reports). Occurrence policies cover incidents that occur during the policy period, regardless of when the claim is filed.

Limits usually start at $500,000/$1 million but may need to be higher based on your contract requirements or risk exposure. We’ll analyze your service offerings and client needs to recommend appropriate limits.

Typically, the retroactive date is set at policy inception. To extend coverage for past work, you may need to purchase tail coverage when you retire or switch insurers.