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Professional Office Insurance
Medical and dental offices, law firms, accountants, consultants and other professional practices. We put together liability, property and cyber coverage built around the work you do.
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Professional Offices
Coverage Built for Professional Offices
We compare several insurance companies and put the pieces together so nothing important is left out.
- Professional liability, also called errors and omissions
- A business owners policy for your office and equipment
- Cyber liability and data breach response
- Employment practices liability
- Workers' comp for your staff
- Commercial umbrella for higher limits
Good to Know
Before You Buy
Professional practices face claims about their advice, their data and their employees. These are the points we go through with every office.
- General liability does not cover professional mistakes. Claims that your advice or service cost a client money need professional liability. General liability covers bodily injury and property damage.
- Most professional policies are claims-made. Coverage depends on when a claim is reported and on your retroactive date. Do not let coverage lapse when you switch insurers.
- Client data is a liability. If you store client records, a breach can bring notification costs, regulatory questions and lawsuits. Cyber coverage helps pay those costs.
- Employment claims need their own coverage. Wrongful termination, discrimination and harassment claims are not covered by general liability. Employment practices liability covers them.
- Contracts set limits. Clients, hospitals and landlords often require specific liability limits and certificates before you start work.
Pair It With
Gaps to Close for Professional Offices
A single policy rarely covers everything. These are the most common additions.
Errors and Omissions
Professional liability covers claims that your work caused a client a financial loss, including defense costs.
Protect Client Records
Cyber coverage helps pay for breach response, notification and lawsuits after a data incident.
Your Office and Equipment
A business owners policy covers your office contents and general liability in one package.
Questions
Professional Offices Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
What is the difference between general and professional liability?
General liability covers injuries and property damage. Professional liability covers claims that your professional advice or service caused a financial loss.
What is a retroactive date?
It is the date your claims-made coverage reaches back to. Keeping it when you switch insurers protects you from claims about past work.
Does a small office need cyber insurance?
If you store client data, email sensitive files or take payments online, a breach can be costly for any size office. Cyber coverage is often affordable.
Let's Review Your Practice.
Tell us about your business and we will compare insurance companies for you.