Professional Liability Insurance in Texas

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Errors and Omissions Insurance in Texas

Errors and omissions insurance, also known as E&O insurance or professional liability insurance, helps cover your business from claims of:
  • Negligence
  • Errors or omissions in your services
  • Violation of good faith and fair dealing
  • Misrepresentation
  • Inaccurate advice
professional liability insurance TexasProfessional liability insurance in Texas is essential for businesses that provide advice or services. This business insurance can help you avoid expensive legal fees if a client sues you for errors or omissions in your services.

What Is Covered by Professional Liability Insurance Services in Texas?

What Is Covered?

professional liability insurance services TexasYour professional liability insurance policy helps cover your small business from errors or omissions in the products or services provided. Some scenarios that E&O insurance helps cover include your:
  • Accounting firm providing financial advice that causes your client to lose thousands of dollars. As a result, they sue your company.
  • Interior designer repainting the wrong room in a client’s home. The client responds by suing your company to cover the costs of redoing the room.
  • Customer filing a claim against your real estate firm because one of your agents provided inaccurate facts before they bought their new home.

What Is Not Covered?

While professional liability insurance can help cover mistakes in your professional services, it doesn’t protect your business from everything. For instance, this coverage doesn’t help pay for claims involving:
  • Work-related injuries
  • Car collisions if you or your employees are driving for work
  • Customer slips and falls at your business
  • False advertising
To get coverage for these claims, small business owners need policies like commercial auto insurance or general liability insurance.
Some scenarios where E&O coverage would not help pay your legal defense costs include:
  • Your employee scratching the floor of a customer’s home while delivering new furniture from your business. Your customer files a claim against you for the property damage.
  • A customer falling in your small business and then filing a claim against you for their medical treatment.
  • Multiple customers filing a lawsuit against you after they discover your advertisements include false information.

Are Businesses Required to Have Professional Liability Insurance in Texas?

errors and omissions insurance TexasIn Texas, errors and omissions insurance is recommended for most businesses that offer professional services or advice to customers. Without it, you’ll have to pay claims of errors and omissions out of pocket. This can have devastating impacts on your business’ finances. It’s also important to note that certain professions may have clients that require this insurance coverage, like realtors. It’s also possible that certain industries may need to carry E&O coverage in other states but not in Texas. Before you open your Texas business, it’s always important to check the state’s insurance requirements.

Get a Quote for Professional Liability Insurance in Texas Today

The best way to find the right TX business insurance is to get multiple quotes from insurance companies and compare them. To get customized insurance protection, you can get an online quote from us today. We’ve been helping small businesses get the coverage they need for over 200 years and are known for our great customer service.
No matter where you’re located in Texas, we’ve got you covered. For instance, you can get:
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