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Professional Liability Insurance
If you run a service-based business or work as a professional in California, having professional liability insurance is essential. This coverage protects you from potential lawsuits or costly mistakes when a client holds you responsible for an unexpected outcome.
Your expertise is your business, and when things don’t go as planned, professional liability insurance ensures you're protected. Keep your service-based business secure and safeguard your livelihood with California professional liability insurance.
What is professional liability insurance?
Professional liability insurance, often called errors and omissions (E&O) coverage, safeguards you when a client holds you accountable for issues related to your advice, expertise, or services.
If you run a service-based business or work as a professional in California, E&O insurance is essential to protect yourself from potential lawsuits or costly mistakes.
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While it doesn't cover criminal charges, professional liability insurance in California does provide protection if a former client, patient, or customer sues you for damages. It also steps in if your professional guidance results in a negative outcome or financial loss for your client. Typical claims include negligence, misrepresentation, breach of good faith, and providing inaccurate advice. Some policies may even cover claims involving privacy breaches.
Who needs to carry professional liability insurance in California?
Anyone offering specialized services that require training should consider liability insurance. This includes:
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Architects, engineers, contractors
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Photographers, videographers, marketers
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Nutritionists, personal trainers
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Real estate agents
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Medical professionals (doctors, physicians)
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Tech experts (hardware, software)
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Lawyers and legal advisors
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Beauty stylists (hair, makeup)
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Accountants, tax professionals, bookkeepers
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And many more!
A California professional liability insurance policy typically includes coverage for:
Every professional liability insurance policy is different, depending on your business, coverage needs, and industry. Large companies will need more coverage than freelancers. With a policy from George Park Insurance, you can expect benefits like:
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Coverage for employee-related claims
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Protection against personal injury lawsuits
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Legal defense costs
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Protection for innocent business partners
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A 60-day period to report claims for free
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Coverage for domestic partners
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Access to a loss assistance hotline with two hours of free legal advice
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Extra coverage options
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Policy limits up to $15 million
Keep your business safe with the right professional liability insurance. Contact George Park Insurance for a free quote today. Mistakes happen—make sure you're protected when they do.
