# Professional Liability | Supersure

> Supersure helps businesses get professional liability (E&O) insurance covering negligence claims, errors, missed services, legal defence, and settlements.

Canonical: https://www.supersure.com/business-insurance-coverage/professional-liability

For businesses providing professional advice, services, or expertise, professional liability insurance can help with claims tied to alleged mistakes in judgment, decision-making, and work quality.

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Professional liability insurance can help cover certain claims tied to the quality or outcome of a business’s professional services that are typically not addressed by general liability coverage.

It usually responds when clients allege your work caused them financial harm, including claims that are ultimately groundless, and may help cover legal defense expenses and potential settlements related to covered claims.

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- **Negligence Claims**
- **Errors and Omissions**
- **Failure to Perform Services**
- **Misrepresentation**
- **Legal Defense**
- **Settlements and Judgments**

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

Professional liability insurance can be particularly important for businesses that provide advice, design, analysis, or specialized services. Some professions are also required to obtain professional liability insurance in order to be licensed and able to practice.

- **Service Professionals**
- **Healthcare Businesses**
- **Beauty & Personal Care Businesses**
- **Fitness & Wellness Businesses**
- **General & Independent Contractors**
- **Landscaping Businesses**

While professional liability insurance can help with service-related claims, businesses may need additional policies to address risks such as third-party bodily injury, property damage, and employee injuries that are typically not addressed by professional liability coverage.

### Business Owners Policy (BOP)

A business owners policy bundles general liability and commercial property coverage, helping cover assets and third-party risks not addressed by professional liability insurance.

### General Liability

General liability insurance can help cover third-party bodily injury and property damage claims, which are typically excluded from professional liability coverage.

### Commercial Property

Commercial property insurance can help cover buildings, equipment, and inventory from covered physical losses unrelated to professional services.

### Workers’ Compensation

Workers’ compensation insurance covers employee injuries and illnesses that occur on the job, which professional liability insurance does not cover.

### Commercial Auto

Commercial auto insurance can help cover vehicle-related accidents and liability that fall outside the scope of professional liability coverage.

### Cyber Insurance

Cyber insurance can help cover certain costs related to data breaches and cyber incidents not addressed by professional liability insurance.

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about professional liability insurance.

### How is professional liability insurance different from general liability insurance?

General liability can help cover certain third-party claims like bodily injury and property damage, while professional liability typically helps cover certain claims alleging financial harm arising from professional services.

### Is professional liability insurance legally required?

It is not always legally required, but many clients and contracts require proof of coverage.

### Does this coverage include legal defense costs?

Often, yes. Professional liability insurance policies can help cover legal defense expenses, even for claims that are ultimately dismissed.

### What is a claims-made policy?

Most professional liability policies are claims-made, meaning coverage may apply only if a claim is first made and reported to the insurer during the policy period.

### What is the retroactive date in a professional liability policy?

The retroactive date is the earliest date that an alleged wrongful act can occur and still be eligible for coverage under a claims-made policy.

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