Professional Liability Insurance

Protect Your Business & Reputation with Professional Liability Insurance

Coverage for Errors, Omissions & Lawsuits Against Your Services

As a professional, clients rely on your expertise, but mistakes happen. If a client claims financial loss due to an error, omission, or negligence in your services, you could face a costly lawsuit—even if the claim is unfounded.


Professional liability insurance (also known as Errors & Omissions Insurance, or E&O) helps protect consultants, business owners, and service providers from financial losses related to client disputes, lawsuits, and accusations of negligence.


At A.G. Beck Insurance, we specialize in customized professional liability coverage, ensuring that your business is protected from costly claims and legal fees. As an independent agency, we compare top-rated insurers to find you the best protection at competitive rates.



Serving business professionals in Silverdale, WA, and across Washington.

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What Does Professional Liability Insurance Cover?

Professional liability insurance provides financial protection when a client claims your advice, service, or business decision caused them financial harm.

Legal Defense & Settlement Costs

  • Covers attorney fees, court costs, and settlements in case of a lawsuit.
  • Helps protect your personal and business assets from financial loss.

Errors & Omissions (E&O) Coverage

  • Protects against claims of negligence, mistakes, or failing to meet professional standards.
  • Covers financial losses suffered by clients due to errors in your services.

Directors and Officers Insurance (D&O)

  • Protects company leaders from personal losses if they’re sued for decisions made in their official capacity.
  • Covers legal defense costs, settlements, and judgments arising from alleged wrongful acts like mismanagement or breach of duty.
  • Helps attract and retain top executive talent by reducing personal financial risk.

Professional Misrepresentation Claims

  • Covers lawsuits alleging misleading advice, incomplete service, or failure to deliver promised results.
  • Protects against claims of breach of contract, libel, or slander.

Intellectual Property & Data Breach Protection (Optional Add-On)

  • Covers copyright infringement claims, stolen ideas, and data security issues.
  • Helps businesses protect client-sensitive information.

Not sure what coverage your business needs? Our agents can customize a policy that fits your specific industry risks.

Who Needs Professional Liability Insurance?

If you provide expert advice, professional services, or contractual work, you may be at risk for liability claims from clients.


Professional Liability Insurance is Essential for:

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Consultants & Business Coaches

Advising clients on business decisions & strategies.

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Financial Advisors & Accountants

Handling sensitive financial planning & investment services.

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Legal Professionals & Attorneys

Protecting against malpractice claims.

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Real Estate Agents & Property Managers

Mitigating risks of contract disputes & legal claims.

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Marketing & IT Consultants

Ensuring protection against claims of misrepresentation or system failures.

Protect your business reputation—call (360) 692-5998 for a free consultation today!

Why Choose A.G. Beck Insurance for Professional Liability Coverage? 

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Industry-Specific Coverage

We customize policies to fit your profession’s specific risks.

Independent & Unbiased

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We compare multiple insurers to secure the best coverage at the best rate.

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Fast Claims Assistance

If you’re sued, we help navigate the claims process so you can focus on business.

Risk Management Expertise

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We assess your business risks and recommend proper coverage limits.

Want to safeguard your business? Call (360) 692-5998 today!

Professional Liability Insurance Discounts & Cost Savings

Looking for affordable professional liability insurance? Your business may qualify for these money-saving options:

  • Multi-Policy Discount – Save when you bundle professional liability with general liability insurance.
  • Claims-Free Discount – Lower rates for professionals with no prior claims.
  • Industry-Specific Discounts – Special rates for low-risk industries.
  • Higher Deductible Savings – Opt for a higher deductible to lower your premium costs.

We’ll help identify every available discount to lower your insurance costs!

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Frequently Asked Questions (FAQ) About Professional Liability Insurance

  • Does my general liability policy cover professional liability claims?

    No—general liability insurance does NOT cover claims related to professional errors or negligence. You need professional liability insurance (E&O) for this type of protection.

  • How much professional liability insurance do I need?

    Most professionals choose $500,000 to $2 million in coverage, depending on their industry risks and client contracts. Our experts can help determine the right amount for your business.

  • What does professional liability insurance NOT cover?

    Professional liability insurance does not cover:

    • Employee injuries (Covered under workers’ compensation.)
    • Property damage (Covered under commercial property insurance.)
    • Intentional wrongdoing or fraudulent activities.

  • Do independent contractors need professional liability insurance?

    Yes—many freelancers, consultants, and independent contractors are required to have E&O insurance as part of client contracts.

  • How much does professional liability insurance cost?

    Costs depend on your profession, business size, and claims history. Many policies start at just a few hundred dollars per year.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Professional Liability Insurance Quote Today!

Protect Your Business from Costly Lawsuits & Client Disputes

  • Compare professional liability insurance quotes from top providers.
  • Customizable coverage tailored to your industry risks.
  • Expert guidance from local, trusted agents.

At A.G. Beck Insurance, we help business owners, contractors, and professionals secure affordable excess liability coverage to ensure full financial protection.

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Call us at (360) 692-5998 to speak with a professional liability insurance expert.

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Request a free, no-obligation liability insurance quote online.

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Get a Free Professional Liability Insurance Quote →

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Safeguard your reputation & business—get professional liability coverage today!