Professional Liability · Florida
Florida Professional Liability & Errors and Omissions Insurance
One missed deadline or piece of bad advice can lead to a client lawsuit. Florida professional liability covers legal defense and settlements. We compare multiple A-rated carriers.
What does professional liability insurance cover in Florida?
Also known as Errors and Omissions (E&O) insurance, professional liability covers the legal defense and settlement costs if a client sues you for making a mistake, missing a deadline, or providing bad professional advice that causes them financial harm.
Professional Liability Claims We See in Florida
Four claims that start with a client who lost money, and the part of a professional liability policy that answers each one.
The situation
A bookkeeper files a client's sales tax return late, and the state adds penalties and interest.
What responds
Professional liability pays the client's loss and your defense, up to your limit.
The situation
A software project goes live three months late, and the client says it lost sales because of the delay.
What responds
The policy defends you and pays a settlement if the delay was your error.
The situation
A real estate agent misses a flood zone disclosure, and the buyer sues after the closing.
What responds
An agent's E&O policy covers the defense and the damages the court awards.
The situation
A marketing consultant's campaign plan fails, and the client claims the advice was negligent.
What responds
The policy pays to defend the claim, even when the claim has no merit.
Claims-Made vs. Occurrence Professional Liability
The trigger on your policy decides whether a claim over old work is covered. Most professional liability is claims-made.
Claims-made
Pays claims made while the policy is active, for work done after the retroactive date. Let the policy lapse and an old job is no longer covered. When you retire or close, a tail, called an extended reporting period, keeps that protection going.
Occurrence
Pays claims for work done during the policy year, no matter when the client sues. It is common in general liability and rare in professional liability. When a carrier offers it, the premium is usually higher.
Florida Professionals Who Need E&O Coverage
Professional liability covers the work you sell. Decisions by your owners and board need D&O insurance, and the data you keep needs cyber liability insurance. Care providers carry their own mix of coverage: see assisted living facility insurance, adult day care insurance and daycare insurance.
Consultants and marketing firms
Your advice is the product, so a client who loses money after following it can sue over it. Staffing firms face the same kind of claim over the people they place, covered on our staffing agency insurance page.
Accountants and bookkeepers
A missed filing, a wrong number or a late payment to the state can turn into a claim for penalties and interest.
IT and software companies
Project delays, failed launches and system errors are among the most common claims against technology firms.
Real estate and insurance agents
A missed disclosure or a policy placed with the wrong coverage leads to some of the most frequent E&O claims.
Have This Ready for Your Professional Liability Quote
- A short description of the services you provide and who your clients are.
- Your annual revenue and the number of professionals on staff.
- The limits your client contracts require, if any.
- Your current policy's retroactive date and any claims from the last five years.
Who writes professional liability insurance in Miami?
American US Insurance is an independent, bilingual insurance agency headquartered in Kendall that places professional liability and E&O coverage for professionals across South Florida. We start with the services you provide, your contracts and your current retroactive date, so a new policy does not leave a gap behind it. That date is the test for every offer, because professional liability insurance for consultants and other firms answers only for work done after it. We write it for consultants, accountants, technology firms and agents in Miami, Doral, Coral Gables and Fort Lauderdale.
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Read More →Get a Professional Liability Insurance Quote
Tell us what you do, your clients, and contract limits. We ensure every Florida E&O quote preserves your retroactive date before you switch carriers.
- No obligation, no pressure
- Renewal and claims help after you buy
- A licensed agent compares carriers
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