Professional Liability Insurance

Small business insurance by the hour, day, or month in 60 seconds.

What is professional liability insurance?

Simply put, professional liability insurance covers mistakes in your work. It’s also called errors & omissions (E&O) insurance or professional indemnity insurance, but it all refers to the same thing (you know how insurance goes).

Accidents happen, but some mistakes—the kind that result in financial loss for your customers—can lead to claims of negligence, legal defense fees, and court dates. All of those things get in the way of your success building your business, so for claims involving third parties other than physical damage, you need professional liability insurance.



“Professional liability is essential for a complete risk management package, protecting your business and assets, whether you are actually responsible, or someone just claims you are.”

The content on this page has been verified by
Terri Hitchcock, JD
Chief Insurance Officer, Thimble
Terri has 38 years of industry experience and knows a thing or two about insurance, so she reviewed and approved everything on this page.

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Who needs professional liability insurance?

Professional liability insurance is beneficial across a wide range of professional services, whether you’re a small business, freelancer, or independent worker.

Basically, professional liability is insurance for ‘experts.’ If your clients rely on you for professional advice and specific knowledge, from photo editing to notarizing documents, they can also claim that a mistake in your work resulted in a loss on their part. General liability insurance protects businesses against physical damage to a third party; for everything else, you need professional liability.

What does professional liability cover?

Actual or Alleged Negligence

Claims that you (or members of your crew) were negligent in completing your work, such as missing a due date or not acting professionally.

Legal Defense Costs

Legal costs for claims that you didn’t follow through on a portion of your deliverable, be it the word count on an article or the file format on a wedding video.

Claims and Damages

Along with helping to cover legal fees, professional liability can also account for settlements arising from legal action.

What’s not covered?

Claims for damages because of:

  • Bodily Injury
  • Property Damage
  • Fraudulent Acts
  • Employment Matters
  • Workers’ Compensation
  • False Advertising
  • Patents and Trade secrets
  • Disclosure of Personally Identifiable Information

Excluded Professions:

  • Health care professionals
  • Pharmacists
  • Educators and teachers
  • Lawyers
  • Stockbrokers
  • Financial advisors
  • Architects and engineers
  • Insurance & real estate agents
  • Actuaries

Where can I get professional liability insurance?

Professional liability with Thimble is available in select states.

How much does professional liability insurance cost?

The cost of professional liability coverage will vary based on a number of factors—mainly what you do and where you work. Your industry determines how much you’re exposed to risk, as some jobs come with a higher likelihood of professional liability, and if you live in a metropolitan area, you’ll likely pay a little more to get insured.

Thimble makes professional liability insurance affordable because it only works when you do. Buy coverage by the hour, day, week or month, and save money when you’re off the clock.

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  • What do you do for a living? App Developer
  • Enter your business zip code 22401
  • Choose your coverage Monthly
  • Do you have anyone working with you? Just Me

What other kinds of business insurance do I need?

While professional liability insurance is designed to protect your business from risks associated with errors & omissions, there are a number of other coverage options to consider.

General Liability Insurance

Protects policyholders against risks like accidental bodily injury, property damage, and advertising injury to a third party. This coverage is essential for businesses operating across a range of industries.
Learn more

Malpractice Insurance

A type of professional liability insurance specifically designed for health care professionals. If you work in health care, you may need malpractice insurance to cover the specific risks of your profession.

Employment Practices Liability Insurance

Extends beyond the protection offered by professional liability, focusing on employee suits based on allegations of wrongful termination, sexual harassment, invasion of privacy, wage violations, and more.

Learn more about small business insurance


Professional Liability FAQ

Where is professional liability available with Thimble?

Professional liability insurance is currently available with Thimble in AL, AR, AZ, CA, FL, KY, MD, MI, NJ, NM, NV, OH, OR, PA, SC, TN, UT, and WV. If you don’t see your state yet, stay tuned!

Can I get my professional liability and general liability under one policy?

Yes! Policies with Thimble include both general liability and professional liability coverage in one simple, affordable package to give you a wider safety net when working with clients. If you only need one or the other, you can easily unbundle them before purchase.

How are professional liability claims handled?

All claims are handled by Markel Service Incorporated. If you need to file a CGL claim, email or call 1-(800)-362-7535. Read more here.

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“This is so convenient. I work freelance in everything I do, from music, to photography, fitness, education, and to various contractor work. The ability to hold insurance for each job individually is indispensable. Some jobs pop up in an instant, and I am covered within minutes.”

Thimble Insurance customer Kgoody in white shirt and belt for beauty insurance


Thimble Insurance Customer


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DISCLAIMER: The information contained on this page is intended to provide general information only. For specific legal advice, please contact an attorney. For advice regarding your particular insurance needs, you should speak with your broker or agent to ensure that you have the appropriate coverages and limits.