Protect your practice.
Defend your license.
Whether you are a physician, attorney, or architect, one mistake can threaten your entire career. Secure Professional Liability Insurance to cover catastrophic legal defense fees and malpractice settlements.
- Standard General Liability explicitly excludes professional advice and medical care.
- Pays for top-tier defense attorneys, even against completely frivolous claims.
- Includes "Consent to Settle" clauses protecting your professional reputation.
Malpractice & Negligence
If a surgical error, a missed statute of limitations, or a flawed architectural blueprint causes a client harm or financial loss, your policy covers the damages.
Regulatory Board Defense
Facing an inquiry from the Medical Board, State Bar, or licensing authority? The policy provides specialized legal counsel to defend your license to practice.
Catastrophic Legal Fees
Medical and legal lawsuits can drag on for years. Your policy ensures you don't go bankrupt paying attorney retainers while fighting to clear your name.
Get Your Liability Quote
Compare professional liability rates tailored to your specific practice. Zero obligation.
Coverage Built for High-Stakes Professions
Different professions carry different risks. Whether it's bodily injury, severe financial loss, or structural failure, Professional Liability policies are tailored to your exact licensing board requirements.
Medical Malpractice
For physicians, surgeons, and nurses. Covers catastrophic claims resulting from misdiagnosis, surgical errors, or improper treatment resulting in bodily harm.
Legal Malpractice
For attorneys and law firms. Protects your practice if a missed deadline, conflict of interest, or breach of fiduciary duty causes a client severe financial damage.
Architects & Engineers
For A&E firms. Covers claims arising from structural design flaws, inadequate material specification, or massive project delays caused by engineering errors.
CPAs & Consultants
For financial advisors, CPAs, and IT consultants. Protects against lawsuits alleging bad financial advice, accounting errors, or failure to deliver promised results.
Malpractice & Defense Estimator
Lawsuits against highly licensed professionals are devastatingly expensive. Estimate your career's financial exposure versus the highly affordable cost of a monthly premium.
Practice Profile
Premiums scale with the volume of services rendered.
Past claims heavily impact premium surcharges.
Exposure vs. Protection Cost
Avg. Lawsuit Exposure
$500k+
Defense + Settlement Costs
Est. Monthly Premium
To completely transfer the risk
Legal malpractice claims average hundreds of thousands in defense costs alone. Transfer this career-ending liability to a carrier for roughly $14 a day.
*Educational tool. Premium estimates are illustrative averages based on industry baseline rates. Medical malpractice rates vary wildly by state and specific surgical specialty. Actual rates depend on a formal underwriting review.
Stop Assuming You're Covered
Many professionals buy a standard General Liability or Umbrella policy, falsely assuming it covers their specialized advice or medical services. It absolutely does not.
| Coverage Scenario | Professional Liability | General Liability | Umbrella Policy |
|---|---|---|---|
| Surgical error / Patient injury | Covered (Med Mal) | Explicitly Excluded | Excluded |
| Bad advice costs client $500k | Covered | Excluded | Excluded |
| Client trips in your waiting room | Not Covered | Covered | Covered (Excess) |
| State Licensing Board Defense | Usually Covered | Not Covered | Not Covered |
Critical Policy Features
Not all malpractice policies are created equal. When securing coverage for your practice, ensure your policy includes these critical features:
Consent to Settle Clause
Ensure the insurance company cannot force you to settle a frivolous claim just to save money. A "pure consent" clause means they must defend you in court to protect your reputation if you demand it.
Defense Outside the Limits
Legal fees can drain your policy before a settlement is even reached. "Defense outside the limits" ensures attorney fees don't eat into the money available to actually pay a judgment.
Tail Coverage (Extended Reporting)
Because policies are "claims-made," you need Tail Coverage to protect you against lawsuits filed *after* you retire or move practices for work you did in the past.
Professional Liability FAQs
Executive answers to keep your firm legally protected.
Is Professional Liability the same as Errors & Omissions or Malpractice?
Yes, they are fundamentally the same concept—insurance against professional mistakes. The terminology changes by industry. Doctors use "Medical Malpractice," lawyers use "Professional Liability," and tech/consulting firms use "Errors & Omissions (E&O)."
What is a "Claims-Made" policy?
Almost all Professional Liability policies are "Claims-Made." This means the insurance policy must be active *both* when the professional mistake happened AND when the lawsuit is formally filed. This is why maintaining continuous coverage without gaps is critical to protecting your career.
Do I need this if I work for a hospital or large firm?
While hospitals and large law firms carry group malpractice policies, those policies prioritize protecting the *institution*, not necessarily you personally. Many professionals carry their own individual policy to ensure they have an independent attorney whose only job is to protect their personal license and reputation.