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Professional Liability Insurance

Professional Liability Insurance - Featured Page
Shielding Your Success & Protecting Your Reputation

Professional individuals in business encounter liability risks associated with the services they offer. Clients have the right to sue for perceived negligence during professional interactions. Though predicting customer behavior is impossible, protection against such risks is attainable. LoPriore Insurance can assist in recognizing the distinct risks in your profession and provide a tailored Professional Liability Insurance policy to safeguard you from potential liabilities.

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Massachusetts Professional Liability Insurance
Lopriore Insurance Agency

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At LoPriore Insurance Agency, we understand the critical importance of protecting your professional endeavors. Professional Liability Insurance (PLI), also known as Errors and Omissions (E&O) Insurance, is designed to protect you from these unforeseen legal challenges. As a business person, you are exposed to potential liability risks related to the services you provide. Client grievances and claims can arise, leading to legal challenges. To safeguard your reputation and assets, having the right insurance coverage is crucial. Our motto, “we make insurance easy for you,” reflects our commitment to providing personalized solutions. We recognize that each profession has unique risks, and there is no one-size-fits-all approach. That’s why we take the time to understand your specific needs and tailor a Professional Liability Insurance policy that aligns perfectly with your requirements.

At LoPriore, we strive to make the insurance process hassle-free, providing you with peace of mind so you can focus on your business and professional endeavors. Whether you are a seasoned professional or starting your venture, we are here to help you navigate the complexities of insurance, offering customized solutions that safeguard your interests and investments.

Understanding the Importance of
Professional Liability Insurance

Professional Liability Insurance protects professionals and businesses from financial losses due to claims of negligence, errors, or omissions in the services they provide. It provides coverage for legal expenses and settlements if a client sues them for alleged professional misconduct or mistakes.

What is It?

Professional liability insurance protects professionals from alleged wrongdoing (like negligence, malpractice, or misrepresentation) during the course of their job duties. This policy might occasionally be called by different names, depending on your profession, such as errors and omissions or malpractice insurance.

Why Do I Need It?

While your commercial liability policy offers coverage for accidents on or near your business premises, it does not protect against claims of alleged negligence in your professional services. Professional liability insurance, on the other hand, provides coverage in case your customers file legal claims related to errors or mistakes in your professional activities.

Who Is It For?

Professional Liability Insurance is for individuals and businesses that provide professional services or advice, protecting them from financial losses due to claims of negligence or errors in their work. It is essential for professionals like doctors, lawyers, accountants, consultants, and others who offer specialized expertise to clients.

How To Insure My Business

To insure your business with Professional Liability Insurance, assess if your profession or business requires this coverage for providing professional advice or services to clients. Research insurance providers, compare coverage options and premiums, and understand inclusions, exclusions, and policy terms. Choose appropriate coverage limits, consider additional endorsements if needed, and consult with an insurance agent for expert assistance. Keep the policy updated for any changes in your business operations or services.

Professional Liability Insurance - How To Insure Business

Tips for buying Professional Liability Insurance

When insuring your property, it’s essential to make well-informed decisions to ensure your operations and assets are adequately protected. Here are some crucial tips to consider.

Assess Your Insurance Needs

Determine whether your profession or business requires Professional Liability Insurance. If your work involves providing professional advice, services, or expertise to clients, this insurance is highly recommended to protect against potential legal claims.

Understand What's Covered

Learn about the different coverage options available in Professional Liability Insurance policies. Each policy may have specific inclusions and exclusions, so make sure you understand what is covered and what is not.

Work With An Insurance Agent

If you have any questions or concerns, don't hesitate to consult with an insurance agent or broker who specializes in Professional Liability Insurance. They can provide valuable guidance and help you make informed decisions about your coverage.

How much does Professional Liability Insurance Cost?

Professional Liability Insurance - Cost

The cost of Professional Liability Insurance varies based on factors like the profession, risk level, coverage limits, claims history, and business size. Small to medium-sized businesses typically pay a few hundred to a few thousand dollars annually. To get an accurate estimate, request quotes from your lour local insurance agent. 

Factors that Affect The Cost Of Professional Liability Insurance

The cost of Professional Liability Insurance is influenced by various factors, such as the type of profession or business, the level of risk associated with the services provided, claims history, coverage limits required, and the size of the business. Additionally, industries with higher potential risks and larger businesses may have higher premiums, while smaller businesses with lower risk profiles might pay lower premiums for their coverage.

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Who Can Benfit From Having A
Professional Liability Insurance

Who Can Benfit From Having A Professional Liability Insurance Policy?

A Professional Liability Insurance policy, also known as Errors and Omissions (E&O) insurance, is designed to protect professionals from claims made against them for negligent acts, errors, omissions, or mistakes they might make while providing professional services. This type of insurance can be beneficial for various individuals and businesses, including:

Accountants & CPAs
Barbers & Hair Stylists
Doctors & Physicians
Insurance Agents
IT Specialists
Land Surveyors
Mortgage Brokers
Public Notaries
Real Estate Agents

Your Business Deserves the Best Defense.
Protect What Matters

Request Your Personal Liability Quote Today

Our comprehensive Personal Liability Insurance safeguards your expertise and the things that matter most to you. Get peace of mind by requesting your quote today, ensuring you’re covered in case of unexpected events or claims.

Professional Liability Insurance Coverage Details

Professional liability insurance, also known as errors and omissions (E&O) insurance or professional indemnity insurance, offers specialty coverage that is distinct from homeowner’s endorsements, in-home business policies, or business owner’s policies. Geared towards professionals compensated for their expertise, this insurance provides essential liability coverage for claims directly linked to the services they offer. Unlike general liability coverage that safeguards businesses against third-party accidents, professional liability insurance specifically addresses risks associated with the professional services provided.

Standard Personal Liability Insurance Coverage

Standard Personal Liability Insurance Coverage provides essential protection for individuals and families against claims or lawsuits resulting from bodily injury or property damage for which they are found legally responsible. This coverage helps safeguard your assets and provides financial support in case of accidental incidents occurring on your property or due to your actions that lead to harm or damage to others.

Alleged or actual negligence
Alleged or actual negligence coverage, included in professional liability insurance, protects professionals from claims and legal actions arising from alleged mistakes, errors, omissions, or negligent acts in their professional services. This coverage is designed to provide financial support for legal defense costs and potential settlements if the allegations of negligence are proven to be valid, safeguarding the professional's reputation and assets.
Personal injury (like libel or slander)
Personal injury coverage, typically included in personal liability insurance, provides protection against claims and legal actions arising from non-physical injuries caused by an individual, such as libel, slander, defamation, or invasion of privacy. This coverage helps cover legal expenses and potential settlements in case of allegations of personal injury, ensuring peace of mind for the policyholder in case of such claims.
Copyright infringement
Professional liability insurance provides coverage for claims related to copyright infringement, protecting professionals from potential legal and financial consequences. This coverage is essential for professionals in creative fields who deal with intellectual property and may face allegations of copyright violations from clients or third parties.
Past Service Claims Coverage
Claims arising from services provided in the past are typically covered by professional liability insurance (errors and omissions insurance). This coverage protects professionals from legal and financial consequences if clients or third parties file claims related to services rendered in the past, offering crucial peace of mind for potential retrospective claims.
Temporary Staff Coverage
Temporary Staff Coverage offers protection for businesses that employ temporary or seasonal staff, guarding against potential liabilities and claims arising from the actions or work performed by these temporary employees. This coverage is crucial for businesses to ensure that their operations remain protected and that temporary staff's actions do not expose the company to unnecessary risks.
Independent Contractors Coverage
Independent Contractors Coverage provides protection for businesses hiring or working with independent contractors, shielding them from potential liabilities and claims arising from the contractors' actions or work performed on behalf of the business. This coverage is essential to safeguard the business's interests and assets while ensuring that contractors' activities do not pose undue risks to the company.

Claims Not Covered By A Professional Liability Policy

Personal liability insurance is not intended to serve as comprehensive commercial liability coverage. While it provides protection against claims related to your professional actions, it does not cover certain types of claims, including:

Professional liability insurance is not designed to cover claims related to physical injuries or property damage. For these incidents, businesses typically need general liability insurance.

Intentional fraudulent acts are typically not covered by professional liability insurance. These actions are considered outside the scope of professional errors and omissions.

Claims related to employment practices, such as wrongful termination or discrimination, are usually excluded from professional liability coverage. Businesses typically need employment practices liability insurance (EPLI) for such claims.

Claims arising from false advertising or misleading marketing practices are not typically covered by professional liability insurance. Businesses often require advertising liability coverage for such situations.

Claims related to patent or trade secret infringement are generally not covered by professional liability insurance. Businesses may need intellectual property infringement coverage for these situations.

Claims arising from mishandling personal identifiable information (PII), such as data breaches, are often excluded from professional liability coverage. Companies may need cyber liability insurance for such events.

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Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

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Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Security, Extra Peace of Mind

To receive a professional liability insurance quote with Lopriore Insurance, simply provide your professional details and coverage requirements, and their experienced team will offer you a tailored policy that protects you from potential claims and legal liabilities, giving you the confidence and security you need in your professional endeavors.

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Professional Liability Insurance FAQs

The policy pays other parties for damages that you’re legally liable for as a result of your professional actions. For example, negligent acts, errors, or omissions in the performance of your professional services. These damages may include property damage, bodily injury, economic loss, and legal expenses. The policy covers your legal costs even if allegations are false or groundless.

There are several factors that help determine your premium for professional liability.
• Your chosen limits and deductible
• Your work history
• The size of your business
• Claims history
• The number of people the coverage protects
• Professional business practices established by your company

Professional liability insurance provides coverage for damages related to negligent acts, errors, or omissions in performing professional services. Examples include mistakes in the preparation of plans, surveying errors, or failure to provide services per the reasonable standard of care.

A commercial general liability policy covers non-professional activities on the premises of your business (like when a customer slips and falls).

Not necessarily, but most businesses can benefit from a policy. Any business that offers advice, skilled services, or products that require technical training could face a lawsuit from a disgruntled customer or patient. Professional liability insurance is the only coverage that protects you from these claims.

A professional liability policy can include a period of time before the inception of the policy. If a significant financial loss occurred before the policy is instated, the retroactive period can provide coverage for the loss.

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What Others Are Saying About Us!

Jane was a very thorough agent. Got us all the information we needed.
Outstanding business. John the owner runs a great business
Thomas Carney
Thomas Carney
Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
Always responsive, professional and helpful.
Devin Cole
Devin Cole
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno