Professional Liability Insurance

Protection for service-based mistakes

Shield Your Business From Claims

Coverage for advice, errors, and oversight

Professional liability insurance—also known as errors and omissions insurance—helps protect Pennsylvania businesses when a client claims that your service caused financial harm. Whether it’s a missed deadline, a clerical error, or advice that didn’t go as planned, this policy helps cover legal fees, settlements, and more. If you offer professional services in East Norriton, the greater Philadelphia area, or anywhere across the state, this coverage may be essential. We’ll help you understand your risks and secure the protection your business deserves.

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What This Policy Protects

Errors, omissions, and missteps

Service Mistakes or Negligence

Covers claims when a client believes your work, advice, or deliverables caused them financial loss.

Missed Deadlines

If a missed deadline results in lost revenue or extra costs for your client, this coverage may help pay legal expenses.

Incorrect Advice

Protects businesses that provide consulting, design, or professional guidance that may unintentionally result in a bad outcome.

Client Dissatisfaction

Helps when a client sues you for not meeting expectations—even if the claim is baseless.

Legal Fees and Settlements

Pays for your defense costs, court fees, and any settlements or judgments you’re legally responsible for.

Why Your Business Needs It

Mistakes happen—coverage matters

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It’s Often Required in Contracts

Many clients and industries require proof of professional liability insurance before starting a project or retainer.

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Financial Risk Is High

Even a simple error can result in a costly legal battle, especially for businesses offering specialized services in Pennsylvania.

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It Builds Client Trust

Having coverage shows clients you take responsibility seriously and are prepared for the unexpected.

Professional Liability FAQs

Answers for Pennsylvania professionals

  • Who needs professional liability insurance in Pennsylvania?

    Any business that provides professional services or advice should consider this coverage. That includes consultants, real estate agents, IT professionals, graphic designers, financial advisors, and more. If a client could suffer a financial loss due to your service—even unintentionally—this insurance offers vital protection. It’s especially important for businesses operating in competitive and high-expectation areas like East Norriton or Philadelphia.

  • What’s the difference between professional and general liability?

    It’s not legally required in most states, but many landlords, vendors, and clients will require it in contracts. For most small businesses, it’s a must-have to operate smoothly and General liability covers physical risks like bodily injury or property damage. Professional liability—also known as errors and omissions insurance—covers intangible risks like missed deadlines, incorrect advice, or unsatisfactory work. Many Pennsylvania businesses carry both to ensure they’re fully protected from a range of risks. We’ll help you figure out which combination is right for you.. It also offers peace of mind when working with the public. Even a minor mishap can lead to a costly claim.

  • Does this policy cover employee mistakes?

    Yes. Most professional liability policies include coverage for work done by your employees, contractors, or team members while acting on behalf of your business. If someone on your team makes a costly mistake, this policy helps absorb the legal and financial burden. It’s an essential safeguard for growing teams.

  • Are legal fees included in professional liability coverage?

    Absolutely. This policy helps cover attorney fees, court costs, and any settlements or judgments—whether or not the claim has merit. Legal defense can easily cost thousands, so having coverage in place can make or break your business’s ability to respond. We’ll make sure your limits and terms match your specific risk profile.

  • How much does professional liability insurance cost in Pennsylvania?

    Costs depend on your industry, coverage limits, claim history, and location. Most small to mid-sized Pennsylvania businesses can expect to pay between $500 and $1,500 annually. Businesses with higher exposure or complex services may pay more. Let us provide a tailored quote that reflects your actual risk and business size.