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What is professional liability insurance?

If you have a business where you offer professional services, then you have special insurance needs. Your Kentucky insurance coverage should include professional liability insurance. You may also see this referred to as errors and omissions or E&O insurance. According to The Hartford, professional liability insurance offers you protection against claims due to mistakes you make in rendering your services.

You might be familiar with this type of insurance as it relates to doctors, but it is available for any professional. It will help protect you if something goes wrong because of the services you render. For example, if you are in a profession where you offer financial advice and the advice you provide a client ends up doing them financial harm, then your insurance protects you if they sue you by covering your defense costs.

The insurance does not provide coverage for some situations. If you have done something criminal, for instance, then your insurance policy will not provide you assistance with defense. Some plans also contain language excluding certain types of liabilities from coverage. It is important read your policy and ensure you understand what is covered.

Some professions are required by law to have this type of insurance, such as doctors. However, you may still benefit from having it even if you are not required to do so by law. If you offer professional services of any kind, having insurance could save you a great deal of trouble down the road. This information is for education and is not legal advice.

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