Professional Liability Insurance California

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Errors and Omissions Insurance in California

Errors and omissions insurance is also known as E&O coverage or professional liability insurance. If your business offers professional services or advice, this policy is important. It helps cover claims of:
  • Negligence
  • Errors in services provided
  • Misrepresentation
  • Omissions
  • Violation of good faith and fair dealing
  • Inaccurate advice
professional liability insurance California Without this coverage, you’ll have to pay for these claims out of pocket. To learn more about professional liability insurance in California, obtener una cotización from us today. 

What Is Covered by Professional Liability Insurance in California?

If your small business faces a lawsuit for errors or omissions in your services, professional liability insurance can help cover your legal defense costs. To see how this liability coverage can protect small businesses, these examples will help:
  • Your designer doesn’t stick to the agreed upon plan for re-doing a client’s living room. When your client sees his work, they file a claim against your business.
  • An IT professional provides inaccurate cyber security advice for a client’s website. This results in the website getting infected with malware, losing important data and the client filing a lawsuit against your technology firm.
  • One of your real estate agents forgot to include important details about a home for sale. The buyer filed a claim against you only days after they purchased the home. 
errors and omissions insurance California While professional liability insurance is recommended, you’ll also need other small business insurance coverages to help cover claims that involve:
  • Lesiones corporales
  • Daños a la propiedad
  • False advertising
  • Discrimination or harassment

How Much Does Professional Liability Insurance in California Cost?

The cost of professional liability insurance varies depending on the type of business you have. Some factors that impact how much you’ll pay for professional liability insurance coverage include your:
  • Lugar
  • Límites de la cobertura
  • Monto deducible
  • Number of employees
  • Years in business
  • Claims history
professional liability insurance California cost Keep in mind that the higher the coverage limits that you choose for your E&O policy, the higher premiums will be. To learn more about the amount of coverage you need and how much you can expect to pay, obtener una cotización  hoy mismo.

Are Businesses Required to Have Errors and Omissions Insurance in California?

In California, it’s recommended that you carry errors and omissions insurance if you offer professional services or advice to your customers. Certain industries will also have clients that require business liability insurance, especially E&O policies. For instance, real estate agents may need to show their client’s that they have professional liability coverage before they work together.

Get a Quote for Professional Liability Insurance in California Today

We make it easy to get a customized California business insurance quote. We’ve worked with business owners like you for over 200 years, doing all we can to get small businesses the unique coverages they need. Get a quote online to see how much professional liability insurance costs for your specific business. And if you need it, we can also help you get other important protection, like workers’ compensation in California or general liability insurance.
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