Coverage
Professional Liability Insurance for Texas Businesses
Also called errors and omissions (E&O) coverage, professional liability protects your business when a client claims your work, advice, or service caused them a financial loss. General liability does not cover these claims. If you get paid for your expertise, this is the policy that responds when a client says you got it wrong.
What Professional Liability Covers
- Claims of negligence or mistakes in your professional services
- Missed deadlines or failure to deliver as promised
- Errors in advice, plans, designs, or reports
- Legal defense costs, even when the claim has no merit
- Settlements and judgments up to your policy limits
Who Needs It
Consultants, accountants, real estate professionals, IT and software providers, marketing agencies, architects, engineers, and design-build contractors. Many client contracts in Texas require proof of professional liability coverage before work begins.
Common Claims
Missed deadline
A consultant delivers a project late and the client loses a contract as a result.
Error in a deliverable
An engineer’s design contains a mistake that costs the client to correct.
Bad advice
A client follows a recommendation, loses money, and sues to recover it.
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Coverage That Pairs Well
View all coverageIndustries That Rely on Professional Liability
See how professional liability fits into a full program for these Texas industries.
Professional Liability Insurance FAQs
General liability covers bodily injury and property damage to others. Professional liability covers financial losses a client blames on your work or advice. Most professional businesses need both.
Yes. Errors and omissions insurance and professional liability insurance are two names for the same coverage.
Premiums depend on your industry, revenue, claims history, and limits. Small firms often pay a few hundred to a few thousand dollars a year. We shop multiple carriers to find the right fit.
Many Texas client and vendor contracts require professional liability with specific limits. Send us the contract and we will confirm what you need.
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