Professional Liability Insurance in Massachusetts

Sometime even experts make mistakes! Let your professional liability protect you from them

Professional business people are exposed to liability risks related to the services they provide. Any client has the right to sue you directly if they feel negligence of any type occurred during your professional interactions. While there is no way you can predict customer behavior in any profession, you can get protection against these risks. LoPriore can help you identify the unique risks you face in your profession and offer a customized Professional Liability Insurance policy to protect you against these potential risks.

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Professional liability insurance is a policy that provides coverage to protect professionals of 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.


Your commercial liability policy provides liability coverage for accidents that occur in or around your business. It doesn’t provide coverage due to the alleged negligence of your actions while performing a service. Indeed, professional liability insurance will protect you in the event your customers file a claim related to errors in your professional activities.


Many different types of professionals can benefit from a professional liability insurance policy including: Architects Accountants Barbers and Beauticians Bookkeepers Consultants CPAs Doctors and Physicians Engineers Insurance Agents Information and Technology Specialists Janitors Landscapers Land Surveyors Lawyers Mortgage Brokers Printers Public Notaries Real Estate Agents


Professional liability insurance is specialty coverage not provided by homeowner’s endorsements, in-home business policies, or business owner’s policies. Sometimes called errors and omissions (E&O) insurance or professional indemnity insurance, professional liability insurance provides liability coverage to professionals living off their expertise. Unlike general liability coverage that protects businesses against third party accidents, professional liability covers claims directly related to the service you provide.

When a client, customer, or patient claims you have failed to complete the services you agreed to, that your work contained errors, or you provided substandard care or work, they may be able to sue you. Professional liability insurance provides coverage for third party damages and your defense costs related to these claims.

Professional liability insurance provides worldwide protection for the following claims.

  • Alleged or actual negligence: Your policy covers claims of negligence even if they are unfounded or false.
  • Personal injury (like libel or slander): False claims can have a serious impact on your reputation and lead to significant financial damages.


  • Copyright infringement: Issues related to copyright laws, including mistakes, oversights, and oversights are included.
  • Temporary staff and independent contractors: Your employees, temporary staff, and contractors can also be covered by the policy.
  • Claims arising from services provided in the past: Your policy covers an agreed timeframe that will provide coverage for both current and previous work.

Claims Not Covered by Professional Liability

Personal liability isn’t designed to act as full commercial liability coverage. It protects you against claims related to your professional actions. It does not cover the following claims.

  • Bodily injury or property damage
  • Fraudulent acts
  • Employment matters
  • False advertising
  • Patients and trade secrets
  • Lastly, personal, identifiable information

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Professional Liability Insurance FAQ's

Every business, contractor, and medical facility faces a variety of potential liability risks when serving customers, clients, and patients. Finding the right liability coverage to ensure you have all of the necessary gaps covered can seem complicated. Professional liability provides coverage that is essential for many types of businesses. However, understanding the details can lead to questions about your coverage needs. Here are the most common questions our valuable customers ask about professional liability insurance coverage. If you ever have any questions regarding your coverage needs or policy details, don’t hesitate to call the LoPriore team.

What Does a Professional Liability Policy Cover?

The policy pays other parties for damages that you’re legally liable for as a result of your professional actions such as 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.

How Is the Insurance Premium Calculated for Professional Liability, and What Does It Cost?

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
What’s the Difference Between a Professional Liability Policy and a Commercial General Liability Policy?

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).

Does Every Business Need Professional Liability Insurance?

Not necessarily, but most businesses can benefit from the 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.

What Does the Retroactive Date of a Professional Liability Insurance Policy Mean?

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.

To Learn More About Professional Liability Insurance

To learn more about how professional liability insurance can protect you and your business, get in touch today. Our experienced agents are standing by 24/7 to explain the benefits of your policy, provide a quick quote, and answer any questions you may have. Then, don’t forget to ask about our additional commercial insurance policies and multi-policy discounts!

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