What is professional liability insurance (E&O)?

Professional liability insurance (also called errors and omissions or E&O) protects professionals against claims that their advice, services, or work caused a client financial loss. This is different from general liability, which covers bodily injury and property damage. Professional liability specifically addresses the economic harm that can come from a mistake, omission, missed deadline, bad advice, or work product that did not perform as expected.

Who needs professional liability in Florida?

Florida professionals who provide advice or specialized services for a fee should consider E&O. This includes consultants, accountants and CPAs, financial advisors, real estate agents and brokers, insurance agents and brokers, IT services and software developers, architects and engineers, designers and marketing agencies, and many specialized contractors. Some Florida professional licenses require it.

What's the difference between E&O and general liability?

General liability covers bodily injury and property damage to third parties (a customer trips in your office, your employee damages a client's property). Professional liability/E&O covers financial loss to clients from your professional advice or services (you gave bad advice, missed a deadline, made an error in deliverables). Most professionals need both.

Professional Liability. Commercial Liability

Professional liability and E&O,
for Florida service businesses.

Professional liability insurance (also called errors and omissions or E&O) protects Florida professionals against client claims that your advice, services, or work caused financial loss. Different from general liability. We write professional liability for Florida consultants, accountants and CPAs, real estate agents and brokers, IT services, architects and engineers, designers, marketing agencies, and other professional service businesses across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.

Call 941-952-7991 Schedule a Call

By Profession

Coverage tuned to your industry.

Consultants & Advisors

Business consultants, strategy advisors, management consultants, marketing consultants. Coverage for claims your advice caused client financial loss.

Accountants & CPAs

Florida CPAs and accounting firms. Coverage for tax preparation errors, audit issues, advisory services. Often combined with cyber.

Real Estate Professionals

Florida real estate agents, brokers, and brokerages. E&O specific to real estate licensing requirements and Florida real estate market exposures.

IT & Tech Services

Software developers, IT consultants, managed service providers, web development. Tech E&O often combined with cyber liability in a single Tech E&O policy.

Design & Marketing

Graphic designers, web designers, marketing agencies, branding firms. Coverage for IP infringement claims, missed deadlines, deliverable disputes.

Architects & Engineers

Florida-licensed architects and engineers. Coverage for design errors, code violations, and construction-related claims. Often required by contract.

Coming Soon

Profession-specific deep content coming soon.

Expanded content with industry-specific underwriting requirements, contractual indemnity considerations, claims-made vs occurrence policy structures, tail coverage (extended reporting period), and per-profession quoting workflow is coming. In the meantime, call 941-952-7991 for a quote.

Professional liability and E&O,for Florida service businesses.

Coverage tuned to your industry.

Profession-specific deep content coming soon.

You may also need.

Professional liability and E&O,
for Florida service businesses.