Professional Liability Insurance

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What is Professional Liability Insurance?

Do you own a consulting firm? Or work as an independent contractor? Does your business provide a professional service? No matter what you do, if you provide advice or services to others you may be open to potential lawsuits stemming from that advice. The best way to protect yourself and your business, is with Professional Liability Insurance from Joyce, Jackman & Bell Insurors.

Depending on your profession you may know it as Malpractice or Errors and Omissions Insurance. No matter the name or your field, Professional Liability coverage functions the same: To protect your business from lawsuits and to mitigate legal costs.

General Liability Insurance will not protect you from all lawsuits; in fact, it only protects against liability for bodily injury, property damage, and personal and advertising injuries.

There is, however, a number of professional services and products that can cause other types of harm that are not covered by General Liability. That can include accusations of negligence, misrepresentation, violation of good faith and erroneous advice. In such instances, you may be held liable and forced to pay more than a tidy sum.

Who should purchase Professional Liability Coverage?

This coverage should be purchased by anyone looking out for the best interest of his or her business. Here at Joyce, Jackman & Bell Insurors we specialize in insuring the following personal and professional services:

  • Architects
  • Beauticians and Salon Services
  • Career/Business Consultants and Trainers
  • Healthcare Professionals
  • Insurance Agents
  • IT Consultants
  • Lawyers
  • Personal Trainers
  • Photographers
  • Realtors and Property Managers
  • Web Designers
  • And many, many more

What can I expect my Professional Liability Insurance to cover?

We work to cover your mistakes, regardless of what that mistake may be, or whether the claim has ground or not. If you provide a faulty service ('Error') or fail to perform a service in its entirety ('Omission') the policy will cover your legal costs for defending against such claims. Further, the policy will pay out any damages awarded to the injured party up to the policy limit.

Just like all of our policies, we can customize your Professional Liability Insurance to fit the needs of your business. We know that certain professions require higher policy limits than others, which is why we offer a variety of plans and deductibles. Ask one of our agents how we can craft a policy tailored specifically to your industry and/or profession.

Cost Considerations

Professional Liability Coverage is also surprisingly affordable. We couldn't tell you how many times we've heard of professional service providers choosing not to purchase this type of coverage because of the myth that it is too expensive. Given the option, we know that we would rather protect our business rather than risk the cost of an untimely lawsuit.

The number one question you as a business owner or independent contractor need to ask yourself is, "Can I afford a lawsuit?" More often than not the answer to that question is no. Whether you are a doctor, a lawyer, or a realtor your reputation is important to you, it is as much a part of your business as any factor. Protect yourself against claims of negligence with a Professional Liability policy from Joyce, Jackman & Bell Insurors.

Andrew C. Bell

Andrew C. Bell, CLCS

Business Insurance Specilaist



James J. Haggerty, Jr.

James J. Haggerty, Jr., CLCS

Business Insurance Specialist



Leland R. Moran

Leland R. Moran, CPCU

Vice President & Business Insurance Specialist



Professional Liability Insurance Inquiry

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