Professional Liability Insurance

General Liability covers physical injuries and property damage caused by your business. Professional Liability (also called Errors & Omissions) covers financial losses caused by your professional advice, services, or mistakes. For example, if an accountant makes an error that costs a client money, Professional Liability would cover the claim. Many service-based businesses need both types of coverage.

Commercial insurance protects your business from financial losses due to unexpected events like property damage, lawsuits, employee injuries, and vehicle accidents. Without proper coverage, a single incident could devastate your business financially. Most states require certain coverages like Workers Compensation, and many contracts require proof of insurance before you can work with clients or landlords.

Adding an Additional Insured extends your liability coverage to protect another party (like a landlord or general contractor) for claims arising from your work. This is commonly required in contracts and leases. The additional insured gains protection under your policy but doesn't control it. We can add additional insureds quickly when you need them for contracts.