NewProfessional Liability Business Insurance

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What is professional liability insurance?

Simply put, professional liability insurance covers you when you’ve made a mistake or your client claims that you’ve made a mistake in the work you’ve delivered. Professional liability can also be referred to as indemnity insurance, but is more commonly referred to as errors & omissions (E&O) insurance. — why everyone can’t just call it that we don’t know.

Mistakes happen, but some mistakes (or alleged mistakes) are larger than others and can lead to negligence claims, legal defense fees, and even court appearances.

Where can I get professional liability insurance?

Professional Liability with Thimble is available in select states. Select ‘Get a Quote’ above to see if it’s available in yours.

What does professional liability cover?

Professional liability insurance covers material claims of mistakes, omissions, and negligence against you and your business.

Professional liability coverage protects individuals when they fail to perform essential services, give the wrong or inaccurate advice, or make a professional mistake. These mistakes, or errors and omissions, can be actual or perceived—and that’s where professional liability insurance proves particularly valuable.

A client can make a claim and take you to court even if you didn’t make a mistake, but your defense costs—finding a lawyer, going through arbitration, taking time off work — still add up. By investing in a professional liability insurance policy for your business, you won’t have to cover the costs of litigation out-of-pocket.

Ultimately, it’s risk management for your business so you can focus on growing your business.

What’s covered?

  • Alleged or actual negligence
  • Legal Defense costs
  • Your Crew (Temporary staff and independent contractors)
  • Claims and damages

What’s not covered?

  • Bodily Injury
  • Property Damage
  • Fraudulent acts
  • Employment matters
  • Workers’ Compensation
  • False advertising
  • Patents and trade secrets
  • Personally identifiable information
  • Other Services

Who needs professional liability insurance?

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

If you’re a wedding photographer and fail to deliver the agreed-upon amount of photos in the contract, you’re covered. Or, if you’re a notary and want to make sure that any mistakes made in your services that led to financial loss for your client, you’re covered. This is when professional indemnity insurance comes to the rescue.

There are some professional services and activities (regardless of occupation) that Thimble does not cover.

Excluded Activities:

  • Health care professionals
  • Pharmacists
  • Educators / Teachers
  • Lawyers
  • Stockbrokers
  • Financial Advisors
  • Architects and Engineers
  • Insurance Agents
  • Actuaries

We’re hard at work adding new professions – come back again to see if we can cover any of the activities above in the future. Additional occupational exclusions may apply.

How much does professional liability insurance cost?

Thimble makes liability insurance affordable with flexible policies available by the hour, day, month, or more. You get A-rated coverage with up to $2 million in coverage and $0 deductible, and you save money because you only pay for what you need.

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The cost of professional liability insurance coverage will vary based on the duration of your policy, industry, and your location.

Certain industries are more vulnerable to professional liability claims. If you work in one of these industries, you may expect higher premiums than businesses in other industries.

Your ZIP code also affects the cost of your insurance policy, as premiums vary from state to state and even between rural and metropolitan areas within a state.

What’s the difference between professional liability insurance and general liability insurance?

Glad you asked. Policies with Thimble include both general liability and professional liability in one simple and affordable package to give you more peace of mind in every policy. But, it’s important to know what each type of insurance provides.

Professional Liability Insurance Includes:

  • Errors and Omissions
  • Negligent Acts
  • Associated Legal Defense

General Liability Insurance Includes:

  • Bodily Injury
  • 3rd Party Property Damage
  • Associated Legal Defense
  • Medical Expenses

What other insurance coverage do I need for my business?

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 about General Liability

Malpractice insurance is 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. At this time, Thimble does not cover malpractice insurance.

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. Thimble does not currently offer employment practices liability insurance

Professional Liability Availability

We’re rolling out Professional Liability state by state, and hope to be nationwide soon. Professional Liability is available for these categories:
  • Consultant + Freelancers
  • Fitness Professionals
  • Beauticians
  • Event Professionals
  • Entertainment
  • Pet Professionals

Want to know when we’re live in your state?
Give us your email so we can let you know!

  • General Liability
  • General + Professional Liability

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Coronavirus and your business

We know your small business has likely been impacted, so we've put together some resources that we think may be useful.