Professional liability insurance for when mistakes happen

We work with leading insurance companies to help cover your business if something goes wrong with your services.

To speak with a USAA Insurance Agency commercial specialist about your coverage needs, call 800-292-8135.

What's professional liability insurance?

Professional liability can help pay your legal defense costs, including judgments and settlements, if a client sues your company for mistakes, negligence or bad advice.

In certain trades and industries, it’s often referred to as malpractice or errors and omissions insurance.

Who it’s for

If you provide professional services or give advice to clients, you should consider a professional liability policy to supplement your business coverage.

Here are some of the most common professionals who use this policy:

• Beauty salon and barber shop owners
• Consultants and counselors
• Health care and IT professionals
• Lawyers, architects and engineers
• Real estate agents, interior designers and personal trainers

Coverage for errors and omissions

Professional liability insurance is also known as errors and omissions insurance.

It helps protect your business if you or someone who works for you makes a mistake that results in financial loss for your client.

What else does professional liability cover?

A policy could also help protect your business against the following types of claims: ^{See note1}

Negligence

You or someone who works for you may not meet professional obligations like a critical deadline that costs your client.

Mistakes Made by Contractors

The general or third-party contractors you hired could make mistakes on your client's project.

Misrepresentation

You or one of your employees may give false or misleading information that affects your client's decision to sign a contract.

Inaccurate Advice

Your client could lose money after they act on advice your company gives them.

Violation of Good Faith and Fair Dealing

Your business may do something that results in your client not getting the full benefits of a contract.

Do I really need professional liability insurance?

Even if you or someone who works for you didn't make the mistake, your client can still file a lawsuit if they believe your company was responsible.

Without professional liability coverage, you may have to pay your legal expenses out of pocket.

It may be required.

Some professional licenses may require it. For example, certain states require doctors and some other medical professionals to have coverage.

And some clients may ask you to have it before doing business with you.

Why get a policy through the USAA Insurance Agency?

The USAA Insurance Agency is here to help you find insurance to fit your needs. Our long-standing alliances with other insurance providers allow us to make sure you get a great mix of coverage, pricing and quality customer service.

A commercial specialist can help you choose the right amount of protection. If you have questions about a policy, call 800-292-8135.

And if you have to report a claim, you can expect USAA-level support no matter who manages your policy.

Get a BOP quote 

Get a BOP quote for a business owners policy

1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

2. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

Related footnotes:

1. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

2. Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.

5952579