Professional Liability Insurance That Protects Your Reputation and Your Business
Even the best professionals make mistakes. One unhappy client claiming you gave bad advice, missed a deadline, or made an error could cost you everything. Professional liability insurance (also called errors and omissions or E&O) protects your business when your services fall short. Stanley Insurance Group helps Ohio professionals find affordable coverage from leading carriers.
Get the Protection Every Service Professional Needs
You can't control client expectations, market changes, or unforeseeable outcomes. What you can control is whether a professional liability claim destroys your business. As an independent agency, we help professionals like you find errors and omissions insurance that covers legal defense costs, settlements and judgments, and claims of negligence or failure to perform. Take 5 minutes to get your free quote and protect yourself from the cost of being human.
What Professional Liability Insurance Generally Covers
Professional liability insurance (E&O) protects you when clients claim your professional services caused them financial harm. Coverage includes legal defense costs even if the claim is groundless, settlements or judgments if you're found liable, claims of negligence or failure to meet professional standards, allegations of missed deadlines or incomplete work, and errors in advice or recommendations you provided. Unlike general liability which covers physical injuries and property damage, professional liability covers financial losses from your professional mistakes. Our experienced agents help you select coverage limits appropriate for your profession, client contracts, and potential exposure to large claims.
We Offer Additional Coverage Options
While professional liability covers service-related claims, your business faces other risks that require separate protection. That's why we offer additional plans, including general liability for bodily injury and property damage at your office, cyber liability for data breaches and privacy violations, business owners policies that bundle multiple coverages, and commercial umbrella insurance for catastrophic claims that exceed your base policy limits.
Additional Business Insurance Options
- General Liability
- Cyber Liability
- Business Owners Policy
- Commercial Umbrella
- Commercial Property
- Crime Insurance
- Employment Practices Liability
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Enjoy Peace of Mind
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Why Ohio Professionals Choose Stanley Insurance Group
Join hundreds of satisfied professionals who trust us for comprehensive E&O protection at competitive rates. Our Google rating and A+ BBB score reflect our commitment to protecting Ohio businesses.
We Maximize Your Professional Liability Coverage
Most Ohio professionals don't realize they can reduce E&O costs while improving protection.
We can help you can SAVE up to:
- 25% with claims-free history
- 20% by bundling with general liability
- 15% with professional association memberships
- 10% for risk management training
Let our team find every discount you qualify for or check out our blog for more ways to protect your practice.
Get Answers About Professional Liability Insurance
Expert answers to help you understand your coverage options and protect your professional practice
If you provide advice, consulting, design work, or professional services where clients rely on your expertise, you need professional liability insurance. This includes consultants, accountants, real estate agents, architects, engineers, IT professionals, marketing agencies, insurance agents, financial advisors, and many other service providers. Even if you're not legally required to carry it, one claim can end your career without coverage.
General liability covers bodily injury and property damage (slip and falls, broken equipment). Professional liability covers financial losses from your advice or services (missed deadlines, errors in work, failed projects). If someone trips in your office, that's general liability. If your accounting error costs a client money, that's professional liability. Most businesses need both.
Coverage needs vary by profession and client contracts. Many professionals carry $1-2 million per claim, though some industries require higher limits. Review your client contracts, consider your largest projects, and think about worst-case scenarios. We'll help you balance adequate protection with affordable premiums based on your specific professional risks.
Standard policies only cover claims made while you're insured. If you retire or let coverage lapse, you're unprotected from claims about past work. That's why many professionals purchase "tail coverage" or extended reporting periods when closing their practice. We'll explain your options before you make any coverage decisions.
Costs vary widely by profession, revenue, claims history, and coverage limits. Consultants and marketing professionals often pay $500-$1,500 annually. Accountants and financial advisors typically pay $1,000-$3,000. Architects and engineers may pay $2,000-$5,000 or more. We'll get you accurate quotes based on your specific profession and risk profile.
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Take 5 minutes to see how much you could save. Our team is ready to find you comprehensive E&O coverage at a competitive rate. Don't wait - protect your professional reputation now.
