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Professional Liability Insurance

The cost to defend yourself can be substantial.  A professional liability insurance policy will cover these costs in the event of such a claim, which may otherwise financially cripple your business.

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Professional liability is an ongoing and growing risk.

It’s more and more common that an incident could land you in court.  Despite your expertise, knowledge and best intentions, the reality is that not all projects are error-free, and eventually a mistake or misjudgment is bound to occur. Even the smallest error can have serious consequences.

Cover Your Costs

If a client believes damages are due to a mistake on your part they can sue your company. It is important to protect yourself against this potentially devastating liability. A professional liability policy will cover the cost of defending you or your company in court, not to mention the restitution costs if you’re found at fault (up to the policy coverage limit).

From the Horton Library

Understanding the Claims-Made Policy

Read up on why this is a critical concept to understand when dealing with medical professional liability.

Read More

Horton employee with his arms crossed speaking with a co-worker in a Horton breakout room setting

“Claims-Made” Process

These policies are known as “claims-made” policies. This means that coverage is triggered when a claim is filed and you report it to the insurance company, since it is often hard to identify when the alleged error or omission originally occurred.

Common industries seeking professional liability coverage:

  • Medical Professionals
  • Property Managers
  • Attorneys, Legal Professionals, & Law Firms
  • Accountants
  • Architects & Engineers
  • IT Consultants

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Explore our comprehensive business insurance coverage products. Don’t see what you need? Reach out to an advisor today — chances are we can make a plan to protect your business together.

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Jason Haas, Taft-Hartley, insurance broker.