Professional Liability

Professional Liability Insurance

Professional liability insurance protects professionals such as accountants, lawyers, and physicians against negligence and other claims initiated by their clients. Professionals with expertise in a specific area require this type of insurance because general liability insurance policies do not offer protection against claims arising from business or professional practices such as negligence, malpractice, or misrepresentation.

Professional liability insurance may have different names depending on your profession, such as medical malpractice insurance for the medical industry and errors and omissions insurance for real estate agents. Professional liability insurance is specialized coverage for items not protected under homeowners’ or business owners’ policies.

Professional liability insurance protects for legal costs, even if the claim against you is found to be without merit. Business owners buy insurance to protect their businesses, their families, and their financial well-being.

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Errors and Omissions

Errors and Omissions insurance protects companies, their workers, and other professionals against claims of inadequate work or negligent actions. Errors and Omissions insurance often covers both court costs and any settlements up to the amount specified by the insurance contract. It is generally required for professional advice-giving or service-providing businesses.

Malpractice Insurance

Malpractice insurance is a type of professional liability insurance purchased by healthcare professionals. This insurance coverage protects healthcare providers against patients who file suits against them under the complaint that they were harmed by the professional’s negligence or intentionally harmful treatment decisions. Malpractice insurance also covers the death of a patient.

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Take control of protecting your small business, your family’s future, and your employees by speaking to a licensed agent today.

HorizonFirst Location Mount Pleasant South Carolina

Located in Charleston, SC, we are proud to serve clients throughout the Lowcountry, including:

  • Mount Pleasant
  • Isle of Palms  
  • Daniel Island
  • West Ashley
  • James Island
  • John's Island
  • Folly Beach