{"product_id":"usaa-professional-liability-insurance","title":"USAA Professional liability insurance","description":"\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003col aria-describedby=\"standard_disclosure_footnotes\" class=\"usaa-aem-disclosures__container -standard\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003csection class=\"usaa-aem-banner aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-banner-container rds-globals__background-inverse usaa-aem-banner--has-image\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row usaa-aem-banner-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eProfessional liability insurance for when mistakes happen\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eWe work with leading insurance companies to help cover your business if something goes wrong with your services.\u003c\/p\u003e\n\u003cp\u003eTo speak with a USAA Insurance Agency commercial specialist about your coverage needs,\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:800-292-8135\"\u003ecall 800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"bg-image\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_21-9.png.transform\/bannerLarge\/image.png\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_21-9.png.transform\/bannerLarge\/image.png\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"adaptive-image-wrap empty\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_4-3.png.transform\/bannerMobile\/image.png\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_4-3.png.transform\/bannerSmall\/image.png\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-owner-with-clients_4-3.png.transform\/bannerMedium\/image.png\" data-media=\"screen and (min-width: 768px) and (max-width: 991px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat's professional liability insurance?\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eProfessional liability can help pay your legal defense costs, including judgments and settlements, if a client sues your company for mistakes, negligence or bad advice.\u003c\/p\u003e\n\u003cp\u003eIn certain trades and industries, it’s often referred to as malpractice or errors and omissions insurance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/barber-with-client_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/barber-with-client_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/barber-with-client_16-9.png.transform\/spotlightLarge\/image.png\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/barber-with-client_16-9.png.transform\/spotlightLarge\/image.png\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWho it’s for\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eIf you provide professional services or give advice to clients, you should consider a professional liability policy to supplement your\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/inet\/wc\/business-resources\"\u003ebusiness coverage\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eHere are some of the most common professionals who use this policy:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eBeauty salon and barber shop owners\u003c\/li\u003e\n\u003cli\u003eConsultants and counselors\u003c\/li\u003e\n\u003cli\u003eHealth care and IT professionals\u003c\/li\u003e\n\u003cli\u003eLawyers, architects and engineers\u003c\/li\u003e\n\u003cli\u003eReal estate agents, interior designers and personal trainers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-working-at-computer_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-working-at-computer_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-working-at-computer_16-9.png.transform\/spotlightLarge\/image.png\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-working-at-computer_16-9.png.transform\/spotlightLarge\/image.png\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eCoverage for errors and omissions\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eProfessional liability insurance is also known as errors and omissions insurance.\u003c\/p\u003e\n\u003cp\u003eIt helps protect your business if you or someone who works for you makes a mistake that results in financial loss for your client.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--vertical\n                rds-globals__background-secondary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 aem-feature-collection-level2\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003chgroup class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat else does professional liability cover?\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eA policy could also help protect your business against the following types of claims: \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/pnc\/pcm-agcy0700-claims-coverage-examples-scenarios\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-lg-6 aem-feature-collection__stack\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eNegligence\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou or someone who works for you may not meet professional obligations like a critical deadline that costs your client.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eMistakes Made by Contractors\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eThe general or third-party contractors you hired could make mistakes on your client's project.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eMisrepresentation\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou or one of your employees may give false or misleading information that affects your client's decision to sign a contract.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eInaccurate Advice\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYour client could lose money after they act on advice your company gives them.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eViolation of Good Faith and Fair Dealing\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYour business may do something that results in your client not getting the full benefits of a contract.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-text-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container  subtext\n            rds-layout--top-6\n            rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"aem-text-block rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"rds-layout--bottom-4\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eDo I really need professional liability insurance?\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003cdiv class=\"text-block-custom rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-4 rds-layout--top-0\"\u003e\n\u003cp\u003eEven 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.\u003c\/p\u003e\n\u003cp\u003eWithout professional liability coverage, you may have to pay your legal expenses out of pocket.\u003c\/p\u003e\n\u003ch2\u003e\u003cspan class=\"rds-typography__headline-2\"\u003eIt may be required.\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eSome professional licenses may require it. For example, certain states require doctors and some other medical professionals to have coverage.\u003c\/p\u003e\n\u003cp\u003eAnd some clients may ask you to have it before doing business with you.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"cta-container\"\u003e\n\u003cdiv class=\"rds-button__group--align-left\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-in-office_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-in-office_16-9.png.transform\/spotlightSmall\/image.png\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-in-office_16-9.png.transform\/spotlightLarge\/image.png\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/business-professionals-in-office_16-9.png.transform\/spotlightLarge\/image.png\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhy get a policy through the USAA Insurance Agency?\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eThe 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.\u003c\/p\u003e\n\u003cp\u003eA commercial specialist can help you choose the right amount of protection. If you have questions about a policy, call\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"tel:800-292-8135\"\u003e800-292-8135\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp\u003eAnd if you have to report a claim, you can expect USAA-level support no matter who manages your policy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003ca data-cookie-enabled=\"false\" data-allowed-timed-redirect=\"false\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" class=\"rds-button__secondary usaa-aem-button__secondary usaa-aem-button__group\"\u003eGet a BOP quote \u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003ca class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/insurance\/small-business-quote\/#\/industrySelection\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a BOP quote \u003cspan class=\"rds-globals__screen-reader\"\u003efor a business owners policy\u003c\/span\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003col class=\"usaa-aem-disclosures__container -footnote\" aria-describedby=\"footnote_disclosures\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-globals__screen-reader\" id=\"standard_disclosure_footnotes\"\u003eRelated footnotes:\u003c\/p\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e5952579\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782193402086,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170","url":"https:\/\/birddawgnetwork.com\/products\/usaa-professional-liability-insurance","provider":"Bird Dawg Network","version":"1.0","type":"link"}