Professional Liability Insurance

What is Professional Liability Insurance?

Professional liability insurance, also known as errors & omissions, or E&O insurance, helps cover you and your company if you are found negligent in the professional services you provided. For example, if you make a clerical error that costs a client thousands of dollars or if you work as a photographer and accidentally damage a client’s wedding photos. These situations could have costly legal repercussions. Professional liability insurance will help cover the costs and fees associated with the incident.

Who Needs Professional Liability Insurance?

Many types of businesses need professional liability insurance. If you work directly with customers by providing services, you should definitely consider a professional liability insurance policy. Here are some examples of how specific businesses can benefit from professional liability insurance.

Professional Liability Insurance for Technology Professionals

Technology is integral to the operation of most businesses today. When technology fails, the financial impact to a business can be significant, and the companies affected often sue their technology product or service providers over errors. Unfortunately, most traditional liability insurance policies are not designed to respond to pure financial claims. The Hartford can help protect against errors and omissions (E&O) risks for a broad array of technology companies, including those in the fields of:
  • Software & information technology
  • Hardware & electronics manufacturing

Professional Liability Insurance for Real Estate Professionals

The Hartford offers flexible, reliable errors and omissions liability insurance coverage (E&O) that can help protect a wide range of real estate firms against losses resulting from negligence, errors and omissions in the performance of their services. Designed for small and midsize businesses, this coverage is offered through our exclusive program manager, BNK Insurance Services1.

Professional Liability Insurance for Lawyers

The Hartford knows that no two law firms are alike. We understand that a smaller legal practice typically has different coverage needs than a much larger law firm. That's why The Hartford provides products that can be tailored by virtually any firm to meet their professional liability coverage needs.
  • Law Firms with Less than 20 Attorneys: Insurance coverage2 is offered through Target Professional Programs,1 a countrywide program administrator-managing general underwriter with years of experience handling professional liability coverage for attorneys.
  • Law Firms with 20+ Attorneys: The Hartford’s specialized team of underwriters offers professional liability insurance coverage on an excess basis to firms with more than 20 attorneys. With a reputation for superior service, all claims are adjusted by a licensed attorney with both private practice and insurance industry experience.

Professional Liability Insurance for Accountants & Tax Preparers

Whether you are a Certified Public Accountant, tax preparer or bookkeeping firm, The Hartford offers small to midsize accounting firms protection from potential liability and malpractice claims. This coverage is administered by Target Professional Programs,3 a countrywide program administrator-managing general underwriter with years of experience handling professional liability insurance coverage.

Professional Liability Insurance for Home Inspectors

The Hartford offers professional liability insurance protection that can be customized by the home inspector through BNK Insurance Services, our exclusive program manager. With a wealth of knowledge and a strong track record of delivering high-quality insurance solutions, the BNK team understands real estate risks. Most importantly, BNK can provide highly personalized service to home inspectors and other real estate professionals.

Professional Liability Insurance for Consultants and Other Professionals

Miscellaneous professional liability insurance coverage from The Hartford helps protect consultants and other professionals against errors and omissions (E&O) that may arise from the professional services they provide to clients and other third parties.

Get a professional liability insurance quote today and find out how easily you can protect your business with help from The Hartford.

What is Management Liability Insurance?

The Hartford offers Private Choice Premier,SM a modular product with five critical coverage parts – Directors, Officers & Entity Liability insurance (D&O), Employment Practices Liability insurance(EPL), Fiduciary Liability, Crime, and Kidnap and Ransom/Extortion – that address the typical management liability insurance risks private companies face. This coverage is designed to help protect directors and partners from financially devastating lawsuits.

For most small business owners, professional liability coverage can be added to your Business Owner's Policy.

Management Liability Insurance for Nonprofit Organizations

The Hartford offers solutions designed to meet the unique liability insurance needs of a broad range of nonprofit organizations including social service agencies, associations, museums and foundations.

Management Liability Insurance for Publicly-Traded Companies

The Hartford offers management liability insurance – including Directors, Officers & Entity Liability insurance (D&O), Employment Practices Liability insurance (EPL), Fiduciary Liability, Crime (Fidelity), and Kidnap/Extortion & Ransom coverage – that can help protect public companies from everyday risks and exposures.

Management & Professional Liability Insurance for Financial Institutions

At The Hartford, we understand the unique needs of financial institutions and offer solutions that businesses can tailor to meet their specific insurance needs including Adviser Directors, Officers & Entity Liability insurance (D&O), Employment Practices Liability insurance (EPL), Private Fund Liability, Registered Fund Liability, Fiduciary Liability, Bond and Commercial Crime (Fidelity), Kidnap & Ransom, Cyber Liability insurance and Professional Liability Insurance coverage – to protect against a broad range of exposures.

General Partners Liability Coverage

The Hartford offers coverage for general partners of limited partnerships to help protect against losses resulting from claims related to breach of duty, regulatory violations, unfair market conduct, and prospectus misrepresentation. Our general partners professional liability insurance policy provides entity coverage for general partners, directors and officers of an organization. Entity coverage for the partnership is offered by endorsement. In addition, we provide specialty product offerings for partnerships in the real estate, energy and telecommunications industries, including publicly traded master limited partnerships.

Representations & Warranties Insurance

The Hartford offers Representations & Warranties Insurance to help reduce common merger or acquisition (M&A) risks.

Excess Coverage for Increased Risks

For added protection against the perils of large financial loss, The Hartford’s Premier ExcessSM Policy provides streamlined excess liability insurance coverage for risks across all industries.

Increasing your coverage to fit your business’s needs is a lot easier than you may think. Management and professional liability coverage can easily be added to an existing Business Owner’s Policy. This means that you get enhanced, tailored coverage for your business, but with the simplicity of one bill and policy. Learn how easily Management and Professional Liability can be added to a Business Owner’s Policy for added protection.
1 BNK Insurance Services, Inc. is not an affiliate of The Hartford.

2 Coverage not available in NJ, HI, OR & WY.

3 Target Insurance Services, Inc. is not an affiliate of The Hartford.

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Professional Liability Insurance

Many types of businesses need professional liability insurance. If you work directly with customers by providing services, you should watch this short video.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.