Professional Liability (E&O) Insurance in Florida
Professional liability - also called errors & omissions (E&O) - protects your business when a client claims your work, advice, or service caused them financial harm. General liability won't cover these claims; only E&O does.
What This Coverage Includes
- Alleged errors, omissions, or negligence in your professional services
- Legal defense costs, including for claims without merit
- Claims arising from missed deadlines or deliverables
- Prior acts coverage options when switching policies
- Defense for licensing board or disciplinary matters (varies by policy)
Florida Context
Florida's active litigation environment reaches professional services, too - and many client contracts now require proof of E&O before work begins. For medical practices, malpractice requirements add another layer we help you navigate with specialty markets.
Who Needs It
- Consultants, agencies, and IT service providers
- Medical practices, law firms, accountants, and architects
- Real estate professionals and property managers
How We Help
E&O policies are claims-made, which makes retroactive dates and tail coverage critical when you switch. We compare specialty markets for your profession and make sure continuity is preserved - not silently broken.
Frequently Asked Questions
Doesn't my general liability policy cover this?
No. GL covers bodily injury and property damage to third parties. Claims that your professional work or advice caused a financial loss are only covered by professional liability/E&O.
What does 'claims-made' mean?
The policy in force when the claim is made responds - not the one in force when the work was done. That makes retroactive dates and tail coverage critical when switching policies, and it's exactly what we check in a review.
Do contracts require E&O?
Increasingly, yes - many client and vendor agreements require proof of professional liability at specific limits before work begins. We can place coverage quickly when a contract is waiting on a certificate.
Get a clear, side-by-side view of your professional liability options.
One conversation with an independent advisor can surface savings and gaps your renewal notice never will.