Professional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability picks up the bill for you.
What it covers
A mistake in your work
You slip up on a project and your client takes a hit. The insurer pays the bill for you.
Bad advice
You recommend something that goes wrong. The money your client loses is covered.
A promise you could not keep
You miss something your contract required. Your client gets compensated.
Legal fees
Even when you did nothing wrong, defending yourself costs money. Those fees are covered.
What it does not cover
- If you deceive a client on purpose, no insurer will cover you.
- If a person gets physically hurt, a different policy handles it.
- If the dispute started before you signed your policy, it is not included.
Who is it for?
You have clients
The moment a client pays for your work, they can blame you for a bad result.
You sell your expertise
If you sell advice or hands-on services, your deliverables put your liability on the line.
You work with big accounts
Many large clients ask for proof of Professional Liability before they work with you.
Frequently asked questions
Is it mandatory for me?
What if my employee makes the mistake?
Can one unhappy client really cost me a lot?
How much does it cost?
These coverages often go together
Cyber
One morning your files are locked and a hacker demands a ransom. Cyber insurance pays for the recovery and the crisis response.
Directors & Officers (D&O)
A decision you make for your company goes wrong, and people come after your personal money. D&O keeps your assets out of reach.
Recommended for these sectors
Your program deserves to be calibrated to your reality.
One conversation is enough to identify your gaps and offer something better.