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Professional liability insurance is additional coverage which many professions add to their commercial insurance package to protect themselves and their business from claims of negligence either from clients or patients. It is also called professional indemnity insurance.

Professional liability insurance may hold different names like malpractice insurance for physicians, nurses, dentists, and chiropractors to name a few in the medical profession. Professionals who do medical testing and lab work also fall into this category. Other professions like insurance, realtors, appraisers, and consultants may purchase another form of Professional Liability Insurance known as Errors and Omissions insurance (E&O).  

E&O coverage is often written specifically for the industry in which it is being placed. For example, with the growth in the technology arena, technology companies, developers, website hosts, creators, and software development may all have specific E & O coverage written specifically for their type of business. Additional coverage such as personal injury, breach of warranty, intellectual property, and other coverage types can be added to any business which provides a service or offers advice and opinion for greater protection.

The primary reason for adding professional liability insurance is that the general liability insurance normally covers only personal/bodily injury and property damage while conducting normal business.  For example, a software recommendation which causes a client to lose business is not covered in this type of policy and E & O coverage would. This coverage would also cover legal and defense fees, judgments, and settlements.

Talk to your licensed insurance professional and check to see if Professional Liability Insurance should be put in place for you and your business. Don’t assume you’re covered without asking the advice of your commercial insurance agent.