Professional Liability Insurance
With Univista’s Professional Liability Insurance, stand fortified against claims of negligence or unintended errors in your services. Essential for those offering advice or expertise, ensure your reputation and financial stability remain unshaken amidst challenges.
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What is Professional Liability Insurance?
Professional Liability Insurance protects you and your business from potential financial burdens stemming from unintentional errors, omissions, or perceived negligence in the course of your professional services.
Unlike general liability, which covers bodily injuries or property damage, professional liability focuses on the intangible, like errors in professional judgment.
What does Professional Liability Insurance cover?
- Claims of negligence: If a client believes your services caused them financial harm due to negligence, even if no mistake was made.
- Defense costs: It covers legal fees and expenses, whether you win or lose the lawsuit.
- Services rendered in the past: Coverage for services performed before you were even insured (retroactive date must apply).
- Claims and damages: Should a client sue and win, this would cover settlements, awards, or damages up to the coverage limit.
Why do business owners choose Professional Liability Insurance?
- Risk mitigation: No one is perfect; mistakes can happen, and this insurance helps buffer the financial consequences.
- Professional image: It showcases to your clients that you’re responsible and prepared for any unforeseen issues.
- Legal Defense: Legal battles can be costly; this ensures you’re not paying hefty fees out-of-pocket.
- Peace of mind: Allows you to focus on providing quality service, knowing you’re protected against potential claims.
Additional insurance coverages for your business
Protecting your business extends beyond just traditional business insurance. Depending on your specific situation and the type of business you own, there are other insurance policies you might need to consider:
General Liability Insurance
Protects against claims of bodily injury, property damage, and other common business risks.
Business Owner Policy
A tailored package for business owners combining various coverages, such as property and liability, into one policy.
Commercial Auto & Trucking Insurance
Shields you from losses related to your business-owned vehicles, both in terms of vehicle damage and accident liability.
Workers' Compensation Insurance
Covers medical expenses and wage replacement if an employee gets injured while working.
Cyber Liability Insurance
Defends your business against financial hits from cyber threats like data breaches and cyberattacks.
General Liability Insurance
Protects against claims of bodily injury, property damage, and other common business risks.
Business Owner Policy
A tailored package for business owners combining various coverages, such as property and liability, into one policy.
Commercial Auto & Trucking Insurance
Shields you from losses related to your business-owned vehicles, both in terms of vehicle damage and accident liability.
Workers' Compensation Insurance
Cyber Liability Insurance
Defends your business against financial hits from cyber threats like data breaches and cyberattacks.
Professional Liability Insurance FAQs
Is Professional Liability Insurance the same as Errors & Omissions (E&O) Insurance?
Yes, Professional Liability Insurance is often called Errors & Omissions (E&O) Insurance. They both provide coverage for businesses against negligence claims due to harm resulting from mistakes or failure to perform.
Is Professional Liability Insurance mandatory for my profession?
Some professions, especially medical and legal fields, may be legally required to carry Professional Liability Insurance. Clients might need it before engaging in a contract, even if it’s not a legal requirement.
What should I do if a claim is made against me?
Notify your insurance provider immediately. Avoid admitting fault or making any statements without consulting with them first. Your insurer will guide you on the subsequent steps.
Still have questions? Speak to a Univista Insurance expert now.
Let us simplify the complexities and tailor solutions perfectly suited for you.
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