Professional liability insurance, also called errors and omissions (E&O), addresses claims alleging mistakes, negligence, or failures in professional services or advice. Infante Insurance Group works with a network of carriers to help consultants, agents, and service-based businesses across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore coverage options — in English or Spanish.
Coverage Options
A professional liability policy is generally structured around the specific professional services described in the policy — the definition of covered services matters significantly. It can help address defense costs and settlements or judgments related to claims of negligence, errors, or omissions in delivering those services, even if the claim is ultimately without merit. Unlike general liability, it does not address bodily injury or property damage claims; the two are often carried together to cover different exposures.
Who May Need This
This coverage is worth exploring if you provide professional advice or services for a fee — such as consulting, real estate, accounting, insurance, or similar work — where a client could allege your work product or advice caused them financial harm, even unintentionally.
Where You're Covered
Florida and Texas both have active professional services sectors — real estate, consulting, and financial services among them — spanning metros from Miami-Dade and Tampa to Houston and Dallas. Professional liability is a common consideration for business owners in either state, and some client contracts specifically require proof of E&O coverage before work begins, so it’s worth confirming requirements early.
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This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
General liability generally addresses bodily injury and property damage claims, while professional liability addresses claims about mistakes or negligence in professional services or advice. Many businesses carry both.
Often Coordinated Together