Professional Liability and Errors & Omissions

Who Needs It?

If you are a professional who gives advice as part of your business operations, talk with your insurance broker about professional liability insurance. Some of the most common types of businesses are listed below.

  • Consultants (human resources, education, IT, management, marketing, etc.)

  • Educational Tutors

  • Lawyers

  • Healthcare Professionals

  • Property Management Firms

  • Real Estate Agents & Brokers

  • Mortgage Brokers

  • Accountants and CPAs

  • Architects

  • Engineers

  • Interior Designers

  • Market Research Firms

  • Graphic Designers

What is it?

While commercial general liability insurance protects you and your business from slip and fall types of claims, professional liability insurance is designed to defend you from allegations of providing incorrect advice or failing to perform your professional services as expected. When your client has suffered a financial loss due to advice received from your business, and sues you, this policy is designed to defend you in such a lawsuit. Remember that even if you haven’t made any mistake, people can perceive they were wronged and make an allegation that you are at fault. Typical claims revolve around negligence, misrepresentation, inaccurate advice, and violations of good faith and fair dealing.

Depending on the policy and industry, this policy could be called Errors & Omissions, Professional Liability, or Malpractice insurance. The policy will help pay attorneys’ fees to defend you and protect your business and its reputation.

Ask English!



Kristie English, M.Ed.

Principal / Agent

What is the difference between general and professional liability insurance?



Most businesses need general liability insurance, regardless of their size. A typical general liability policy covers lawsuits over non-employee bodily injuries on your business property such as slip and fall incidents, and damage you accidentally caused to someone else’s property while operating your business. Professional liability claims typically involve your client suffering a financial loss, and not a physical or property damage loss.


We're here to help you understand your professional liability options.


Call us at (833) BIG-TREE / (425) 673-7948, or use our online form to request a quote.


▹ Adult Family Homes

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▹ Bonds

▹ Business Owners Policy

▹ Business Interruption

▹ Business Property

▹ Commercial Auto

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▹ Commercial Liability

▹ Cyber Liability

▹ Directors & Officers

▹ Earthquake

▹ Employment Practices

▹ Extra Expense

▹ Flood

▹ Group Medical

▹ In-Home Business

▹ Inland Marine

▹ Professional Liability

▹ Workers Compensation

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▹ Boat / Watercraft

▹ Classic Cars

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▹ Health

▹ Homeowners

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▹ Recreational Vehicles

▹ Renters

▹ Umbrella Policy


This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.

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