Smple Insurance

Even the most experienced professionals can face claims alleging mistakes, negligence, or failure to deliver services as promised. Professional Liability Insurance, also known as Errors & Omissions (E&O) Insurance, helps protect your business from the financial impact of these claims—covering legal defense costs, settlements, and judgments.​

At Smple Insurance, we help professionals secure tailored professional liability coverage designed to protect their reputation, income, and future.

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What Is Professional Liability Insurance?

Professional Liability Insurance provides coverage when a client claims that your professional services caused them financial loss due to errors or omissions, negligence or misrepresentation, missed deadlines, failure to perform services as expected, incorrect advice or professional recommendations. Unlike general liability insurance, professional liability focuses on financial harm, not bodily injury or property damage.

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What is Covered?

• Errors & Negligence: Protection if you make a mistake or omit a key detail in your work.

• Misrepresentation: Covers claims that you provided incorrect advice or recommendations.

• Missed Deadlines: Protects you if a late delivery causes a client to lose money.

• Legal Defense: Pays for attorney fees and court costs, even if the claim against you is groundless.

• Settlements: Covers the costs if you are found liable for a client's financial damages.

 

Common Exclusions 

While this insurance protects your expertise, it typically excludes:

• Bodily Injury & Property Damage: These are covered by General Liability instead.

• Intentional Dishonesty: Coverage does not apply if you purposefully deceive a client or commit fraud.

• Employee Injuries: Work-related accidents are handled by Workers’ Compensation.

• Cyber Attacks: Data breaches and hacking usually require a separate Cyber Liability policy.

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Protect your expertise, your income, and your peace of mind with professional liability insurance designed for your business.

Request a quote today with Smple Insurance and let our team help you find the right coverage—without unnecessary complexity.

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Disclaimer: Coverage details, limits, and exclusions may vary by policy. The information provided is a general overview and does not represent all the terms, conditions, or exclusions of any specific policy. For complete coverage details, including limitations and exclusions, please refer to the actual policy or consult with one of our agents at Smple Insurance.