Professional liability insurance

Get coverage against claims alleging an act, error or omission in providing your professional services.

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What is professional liability insurance?

Professional liability insurance, or errors and omissions insurance, protects your business if you're sued for negligence related to the services you offer.

What it covers

Professional liability insurance offers coverage for the professional services your business provides. It helps to protect you from financial losses due to alleged negligence, mistakes or oversights, and includes legal fees, settlements and other defense costs.

What can professional liability insurance do for you?

Actual or alleged acts or errors

Regardless of whether the act or error actually occurred or allegedly occurred, professional liability will offer coverage.

Mistakes in contracts

Errors in drafting contracts that could lead to disputes or unfavorable terms for a client.

What is “cost of legal defense for covered claims?"

These are expenses incurred when defending against lawsuits or claims that fall under your insurance coverage.

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How much is professional liability insurance?

The cost of professional liability insurance coverage is determined by several factors, including the number of practitioners, the types of services offered, and coverage limits.

Talk to your State Farm agent about professional liability coverage for your business at a surprisingly great rate.

Do you need professional liability insurance for your business?

You might assume that general liability insurance covers all mistakes made in your business, but it may not.

Without professional liability coverage, you’re likely not protected for issues like making errors on a client’s tax return, or misdiagnosing a pet's illness.

Coverage in action

A new client had an adverse reaction to the hair dye you used and is threatening to sue. Professional liability insurance could help cover your defense costs and any damages.

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Should you consider a business owners policy (BOP)

Business owners policy may help protect your small business from various covered claims, including bodily injury, property damage and injuries done to others that may occur resulting from your organization’s operations.

Frequently asked questions about professional liability insurance

These terms are often used to describe the same type of insurance coverage.

Yes, professional liability coverage will defend baseless claims.

Professional liability coverage can sometimes be a stand-alone policy offered by State Farm Specialty Products or can be an endorsement offered on State Farm business policies.

This can vary by jurisdictions and by profession.

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Additional coverage options

Commercial auto insurance

Get coverage for your commercial vehicles – cars, trucks, vans and other vehicles used for business.

Commercial liability umbrella policy (CLUP)

Gives you an added measure of protection when your covered liability losses exceed your policy limits.

There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.

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Simple Insights®

Looking for ways to help keep your small business running smoothly? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

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Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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