Professional Liability Insurance in Florida
Get a professional liability insurance policy that can help protect you if a client claims financial loss due to an error, missed detail, or inaccurate advice.
At Fulton Agency, we help small businesses and independent professionals compare professional liability insurance options across several carriers. Whether you are a contractor, consultant, or service provider, we guide you through your choices so you can feel confident in your coverage.
Why Professional Liability Insurance Matters
Even experienced professionals can face allegations of mistakes or poor results. Without the right coverage, legal fees and settlement costs can place a serious strain on your business. A professional liability insurance policy, also known as errors and omissions insurance (E&O), helps protect you from these risks.
Here are a few examples of how claims can happen:
- A consultant gives guidance that a client believes caused financial loss.
- A contractor submits plans with an oversight that requires costly changes.
- A technology professional sets up a system that later fails and delays a client's operations.
- A real estate professional misstates a detail that affects a sale.
These situations can lead to lawsuits, even when the professional did their best.
When you insure your business with us, you can expect:
Clear explanations of what professional liability insurance covers
- Guidance on coverage limits and exclusions
- Support comparing affordable liability coverage options across carriers
- Local knowledge of industry-specific professional liability needs in Florida
Our team at Fulton Agency helps you understand your risks in simple terms so you can select the coverage that fits your work.
Professional Liability Coverage for Businesses
We help insure a wide range of professions, including:
Contractors and specialty trades
Protection for oversight in plans, estimates, or project supervision.
Consultants and advisors
Covers claims when guidance or recommendations lead to financial loss.
Technology professionals
Helps with claims tied to system failures, configuration issues, or service errors.
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Real estate and service-based businesses
Covers professional oversights that affect contracts, transactions, or compliance.
Accountants and bookkeepers
Coverage for claims tied to reporting errors or preparation mistakes
Architects and engineers
Protection for design oversights or recommendations that lead to added costs
Fitness trainers and wellness professionals
Helps with claims related to advice or routines a client believes caused harm
Photographers and creative freelancers
Covers disputes involving project results, delays, or lost files
Policy Types
Professional liability uses claims-made vs occurrence policies, depending on the carrier. We explain how each works, including retroactive dates and reporting rules, so you know exactly how your coverage applies.
If you want guidance on the best professional liability insurance, our team can show you what options are most common for your line of work.
Why Fulton Agency for Professional Liability Insurance
Local Knowledge
We understand the risks Florida businesses face, from client expectations to contract requirements. Our team helps you choose professional liability insurance that fits the service you provide.
Options That Fit Your Life
We compare plans from multiple carriers to help you find affordable liability coverage options and policy limits that match your projects and clients.
Help When You Need It
Our bilingual team is here to answer your questions, review your policy, and guide you through claims. Whether you run a small business or work independently, you always have someone local to call.
Professional Liability Insurance FAQs
General liability covers bodily injury and property damage. Professional liability insurance protects you from financial loss claims tied to your work, advice, or deliverables. For example, general liability helps if someone slips in your office, while professional liability helps if a client believes your work caused them to lose money.
Claims often happen when a client says a mistake, delay, or oversight caused financial harm. Examples include project delays, inaccurate recommendations, or professional guidance that leads to extra cost.
Any business that provides advice or services may benefit. This includes contractors, consultants, designers, real estate professionals, and many others.
Many businesses do. General liability covers physical risks, while professional liability protects you from financial loss due to service errors. We can help you compare both.
The cost of professional liability insurance depends on your industry, revenue, claims history, and coverage limits.
It does not cover bodily injury, property damage, or employee related issues. These fall under other policies. We help you understand what professional liability insurance does not cover so you can choose the right protection.
Protect Your Business With Professional Liability Insurance
If you want to compare plans, understand your options, or choose limits that fit your work, our team is here to help. We make it simple to get the coverage you need, backed by a local agency you can trust.
