Professional Liability (E&O) Insurance

About The Professional Liability (E&O) Insurance Policy

Available Policy Limits:

  • $250,000 per claim / $250,000 annual aggregate
  • $500,000 per claim / $500,000 annual aggregate
  • $1,000,000 per claim / $1,000,000 annual aggregate

(excess limits available on a per case basis)


  • $1,000 per claim or
  • $500 per claim

Higher deductible options are available for qualified clients upon request and pending underwriter's approval. 


Policy Type:

  • Claims Made


Policy Coverage:

  • Professional Liability (E&O)

  • Coverage for Contingent Bodily Injury and Property damages resulting from your professional services


Cyber Liability and Computer Network Security Sub-Limit:

  • $1M standard to all policies, provided the E&O policy Limit is not below $1M 


Other Policy Benefits:

  • Broad definition of professional services including the ability to expand the definition per your specific services that are offered
  • HIPAA Fines/Penalties (Reimbursement) – 100k/200k standard
  • HIPAA Fines/Penalties (3rd Party) – Full Limits
  • Alarm Monitoring Services Coverage – up to $2M Sub-Limit
  • Life-Line Monitoring Services Coverage – up to $2M Sub-Limit
  • Full limits on contingent BI/PD
  • Limit up to $2M, higher options available upon underwriter approval
  • Personal injury
  • $1M Defense Outside the Limit Option – Available to policies with Limits of $1M
  • Worldwide coverage (subject to policy terms and conditions) - as long as the suit is brought in the United States of America and its territories or possessions


About the Insurance Carrier

Lloyd’s of London

Lloyd’s of London has a history dating back more than 300 years, and has grown to be the world’s leader for specialty insurance.

“A” (Strong) rated by Standard & Poor's

“A-“(Excellent) rated by A.M. Best Rating




This is only a partial, general description of the policy benefits and does not constitute a contract. Policy coverage and benefits are subject to the terms, conditions, and exclusions contained in the policy. The policy will govern if any conflict exists between these highlights and the policy. For complete provisions and exclusions, please refer to the policy itself.