Professional Liability Insurance

No matter how skilled or experienced you are, mistakes can happen—and in today’s business world, even the perception of an error can lead to costly legal action. At Elliott Insurance Services, we help protect professionals and business owners from the financial consequences of lawsuits, negligence claims, and more.

What Does Professional Liability Insurance Cover?

Also known as Errors & Omissions (E&O) insurance, this type of policy protects against claims of:

Negligence

If a client alleges that your service or advice caused them financial harm.

Incorrect Advice or Oversight

Protection when your professional recommendations result in unintended consequences.

Breach of Duty

Coverage when your role is perceived to have fallen short of reasonable standards.

Misrepresentation or Failure to Deliver

If a client believes you didn’t fulfill agreed-upon expectations or deliverables.

Additional Liability Coverage Options

General Commercial Liability

Covers bodily injury, property damage, and related legal costs for on-site incidents or accidents.

Directors & Officers (D&O) Liability

Protects executives and board members from personal losses if sued over decisions made in their roles.

Additional Living Expenses

If your rental becomes uninhabitable due to a covered event, we help cover temporary accommodations and daily living expenses while repairs are made.

Who Needs Professional Liability Insurance?

If your business involves providing specialized advice, services, or expertise, this coverage is essential. We work with:

Benefits of Working with Elliott Insurance

Serving Maidstone and surrounding areas since 1980

Providing trusted insurance solutions with experience and dedication.

A proud part of the local business community

Committed to supporting local families, businesses, and industries.

Dedicated to personalized, friendly service

Helping you find the right coverage with expert, one-on-one guidance.

Get Peace of Mind. Protect Your Practice.

Whether you’re offering advice, managing a team, or running a corporation, our professional liability coverage is designed to safeguard your reputation, your business, and your peace of mind.

Call us today or request a quote online to get started.

Frequently Asked Questions

How is professional liability different from general liability?

General liability covers physical risks like property damage or bodily injury. Professional liability focuses on errors in your services or advice that cause financial loss.

Am I covered if I make a mistake in my advice or documentation?

Yes. This is the core purpose of professional liability insurance—to protect against claims related to unintentional errors, omissions, or negligence in your work.

Is this coverage mandatory?

While not always legally required, many industries and contracts now demand proof of E&O coverage to work with clients, particularly in regulated or high-risk sectors.

What does Directors & Officers liability cover?