Professional Liability
Protect Your Career, Reputation, and Future with Professional Liability Insurance.
Since 1946, we’ve helped families across Acadiana and nationwide find the right coverage with a personal touch.
Insurance Tailored To You
From consultants and healthcare providers to attorneys and engineers, Dorsey Insurance Agency offers tailored coverage to protect professionals across every industry. Contact our team today!
Serving Individuals, Families, and Communities Since 1946
Even the most experienced professionals make mistakes. One small error, missed deadline, or misunderstanding can lead to costly claims that threaten your reputation and financial stability. That’s why professional liability insurance — also known as Errors and Omissions (E&O) coverage — is essential for anyone who provides advice, services, or specialized expertise.
At Dorsey Insurance Agency, we help individuals, firms, and organizations secure insurance for professional liability that’s tailored to their industry. Whether you’re a consultant, attorney, healthcare provider, or educator, our independent agency compares multiple carriers to find affordable protection for your unique risks.
What Is Professional Liability Insurance?
So, what is professional liability insurance? It’s a type of coverage designed to protect professionals who provide specialized services or advice. Unlike general liability insurance, which covers bodily injury or property damage, this policy protects against financial losses stemming from claims of negligence, errors, or omissions in your professional work.
What Does Professional Liability Insurance Cover?
If you’ve ever asked, “what does professional liability insurance cover?” the answer depends on your profession — but generally includes protection for:
- Negligence or Errors – Mistakes or oversights in your professional duties.
- Breach of Contract – Failing to deliver promised services or results.
- Misrepresentation – Claims of inaccurate or incomplete advice.
- Legal Defense Costs – Attorney fees, court costs, and settlements.
- Libel & Slander – Certain policies include coverage for reputational harm.
No matter your field, liability insurance for professionals helps cover costly claims that could otherwise derail your career.
Why You Need Professional Liability Coverage
Professional liability coverage is not just for large firms. Independent contractors, small businesses, and licensed specialists all face risk. A single lawsuit — even without merit — can cost thousands in legal fees and lost time. This insurance helps you:
- Protect your finances and professional reputation.
- Meet client, employer, or licensing requirements.
- Gain peace of mind to focus on your work.
Industries We Serve
We provide specialized professional liability insurance across dozens of professions and industries. Below are just a few examples — each of these will later link to a dedicated subpage:
Consultants
Professionals offering strategic or technical advice need protection from client claims of misrepresentation or poor results. We provide professional liability insurance for consultants and professional liability insurance for IT consultants designed for business advisors, analysts, and project specialists.
Healthcare
We offer comprehensive coverage for healthcare professionals, including:
- Professional liability insurance for healthcare providers
- Professional liability insurance for nurses
- Nurse practitioner professional liability insurance
- Professional liability insurance for physician assistants
- Pharmacy professional liability insurance
- Professional liability insurance therapist
- Professional liability insurance for mental health counselors
- Professional liability insurance for dental hygienists
- Professional liability insurance for massage therapists
- Professional liability insurance for dietitians
- Chiropractic professional liability insurance
- Veterinarian professional liability insurance
Legal
Attorneys, paralegals, and firms depend on accuracy and integrity. We provide lawyers professional liability insurance, legal professional liability insurance, and professional liability insurance for attorneys that protect against malpractice, misrepresentation, or breach of duty claims.
Education
Teachers, administrators, and school consultants face exposure to claims of negligence or misconduct. We provide professional liability insurance for teachers and educators professional liability insurance for schools, tutors, and education consultants.
Engineering & Construction
Mistakes in design or oversight can lead to costly project losses. Our professional liability insurance for engineers and engineering professional liability insurance protect against errors in specifications, drawings, or planning — while our construction professional liability insurance safeguards contractors and builders.
Accounting & Finance
Financial professionals handle sensitive data and high-stakes decisions. We offer professional liability insurance for accountants and bankers professional liability insurance to help protect against errors, miscalculations, and client losses.
Technology
Software developers, IT consultants, and cybersecurity specialists face data breach and performance risks. Our technology professional liability insurance is designed for fast-moving tech environments.
Small Business & Government
Entrepreneurs and public sector employees can also benefit from coverage. We provide professional liability insurance for small businesses and professional liability insurance for federal employees to protect your work, assets, and reputation.
Personal Services
Personal trainers, therapists, and wellness professionals need specialized protection for client safety and results. We offer professional liability insurance for personal trainers, massage therapists, and other wellness experts.
Benefits of Professional Liability Insurance
- Protects your business and personal assets from lawsuits.
- Covers attorney fees, court costs, and settlements.
- Strengthens client confidence and contract eligibility.
- Provides peace of mind in high-risk or regulated industries.
Risks of Not Having Coverage
Without professional liability insurance, you risk:
- Paying out-of-pocket for costly legal claims.
- Losing your business license or professional standing.
- Damage to your reputation and client trust.
- Financial instability from lawsuits or settlements.
How We Help You Find the Right Policy
At Dorsey Insurance Agency, our approach is built on experience and independence:
- Assess Your Profession – We review your services, client base, and industry exposure.
- Compare Multiple Carriers – We find the best coverage options for your specific field.
- Customize Your Policy – From engineers to educators, we tailor your policy to match your unique professional risks.
Whether you need insurance for professional liability as an individual or as a business, our team makes the process clear, fast, and reliable.
Want To Know More? Contact Us Or Request A Quote.
Protect your livelihood, your reputation, and your future with professional liability insurance designed for your industry.
Commercial Insurance We Provide
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Professional liability insurance costs between $500 and $2,000 per year for small businesses, depending on industry risk, coverage limits, location, and claims history. High-risk professions like consultants, healthcare providers, and engineers typically pay more due to greater exposure to lawsuits and professional errors.
Professionals who provide advice, services, or expertise—such as consultants, lawyers, doctors, engineers, architects, and accountants—need professional liability insurance. This coverage protects against claims of negligence, errors, or omissions that cause financial harm to clients. Many industries require it by law or contract.
Professional liability insurance and malpractice insurance are similar but not always the same. Malpractice insurance specifically covers medical and legal professionals for negligence claims, while professional liability insurance applies broadly to other professions like consultants, engineers, and architects for errors or omissions in their work.
Errors and omissions (E&O) insurance is a type of professional liability insurance. The terms are often used interchangeably, but E&O is typically used for service-based professions like consultants, real estate agents, and IT professionals. Both cover claims of negligence, mistakes, or failure to deliver services.
Umbrella insurance does not cover professional liability. It extends coverage for personal liability and general liability claims, such as bodily injury or property damage, but excludes professional errors, omissions, or negligence. Professionals must purchase separate professional liability insurance to cover those risks.
Professional liability insurance and malpractice insurance are closely related but not identical. Malpractice insurance is a specific type of professional liability insurance for medical and legal professionals. Other professionals, such as consultants or engineers, carry professional liability insurance for claims involving errors, omissions, or negligence.
Get professional liability insurance by contacting a licensed insurance broker, comparing quotes from providers, and selecting coverage that fits your industry and risk level. Submit an application with business details, services offered, and claims history. Once approved, pay the premium to activate the policy.
Professional liability insurance is the same as errors and omissions (E&O) insurance in most contexts. Both cover claims of negligence, mistakes, or failure to perform professional services. The term “E&O” is commonly used in industries like consulting, real estate, and technology, while “professional liability” is more general.