Professional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability (the cover for mistakes in your work) 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?
For some regulated jobs like lawyer or architect, yes, it is the law. For everyone else it is strongly advised once you take on clients.
What if my employee makes the mistake?
You are covered. The policy protects everyone working on your behalf, employees and subcontractors alike.
Can one unhappy client really cost me a lot?
Yes, mostly through legal fees that climb fast. Even when you are right, defending yourself can run into thousands.
How much does it cost?
The price depends mostly on your revenue and your line of work. Lesto compares several insurers to find you the right rate.
Ces garanties vont souvent ensemble
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DirectorsDirectors & Officers (D&O)
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Your program deserves to be calibrated to your reality.
One conversation is enough to identify your gaps and offer something better.