Professional Liability Insurance

Protect yourself or your business from common claims like negligence and wrongful acts.
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You can’t count on perfection every time — that’s where professional liability coverage comes in.

As a professional, you always strive to do what’s best for your business or your clients. But even the most caring and conscientious professionals can make a mistake or overlook an essential detail that can really cost them. Investing in the right professional liability coverage can help protect your career.

Your Partner For Professional Liability Coverage

Whether you run a major operation, or you’re a business-of-one, there’s a lot that can go wrong when providing professional services to clients.

An error that causes harm to a client could lead to a lawsuit that has severe financial consequences, possibly even putting you out of business. If you want to insulate yourself against the risk of expensive lawsuits, you need to invest in protection from a partner who cares about you and your business and will fight for your interests to the very end.

Types of Professionals We Can Help

  • Security Guards
  • Consultants
  • Instructors
  • Teachers
  • Commercial Business
  • Engineers
  • App Developers
  • Healthcare Professionals
  • Personal Business
  • Insurance Agents
  • Architects
  • Stockbrokers
  • Counselors & Therapists
  • Real Estate Agents & Brokers
  • Financial Advisors
  • Tax Preparers
  • Dog Groomers
  • Bookkeepers & Accountants
  • Professional Photographers
  • Personal Trainers
  • Technology Professionals
  • And More!
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What Does Professional Liability Cover?

Negligence or Alleged Negligence

This covers various types of negligent acts, whether actual or alleged. The term “negligence” refers to the failure to take appropriate care when providing services.

Harmful Advice

If advice or guidance provided to your client causes hardship or loss for a client, your professional liability policy will protect you.

Personal Injury

This protects you in case of lawsuit if a client or a competitor accuses you of making disparaging comments (slander) or writing something untrue or negative about them (libel).

Libel and Slander

Coverage for defamatory statements that are either written or oral.

Actions of Employees

Under the law, you could be held responsible for harm caused by permanent staff members, temporary employees, or independent contractors you hire.

Claims From Past Services

If you have an open professional liability claim with another provider, XINSURANCE may be able to cover it as long as you file a new claim with us during the policy period.

International Coverage

Our professional liability insurance solutions may offer protection for claims stemming from work performed or services rendered in other countries.

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Want to Bundle This Coverage with More?

Our TRU Umbrella plan allows you to consolidate your coverage needs into one, fully custom plan. Enhance your protection and fill the gaps with XINSURANCE TRU Umbrella.
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What Are Some Examples of Professional Liability Insurance Claims?

A few of the many claim scenarios that PL insurance may cover include:

  • Real estate agents who fail to disclose defects or issues about a property to home buyers
  • Financial advisers with no taxation expertise who recommend tax loopholes to clients that the IRS ultimately disallows
  • Professional photographers who publish unflattering photos of their clients without their consent
  • Paralegals who give damaging legal advice on behalf of the attorney who employs them
  • Management consultants who advise clients on a crucial business decision that backfires and leads to a substantial financial loss

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

What Coverage Do I Need for Professional Liability?

The type of professional liability insurance coverage needed will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy and provides you with true peace of mind.

Is Professional Liability Coverage Available in All 50 States?

Yes, XINSURANCE can provide specialty insurance solutions for businesses and individuals in all 50 states!

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Coverage For All

At XINSURANCE, we understand that comprehensive professional liability insurance coverage can be hard to obtain, especially if you’ve had to file a claim or two in the past.

We provide insurance solutions to business owners and individuals who have been canceled, non-renewed, or denied coverage elsewhere. We can offer insurance solutions with liability limits up to $20 million. No risk is beyond our capabilities.

Know the Facts

There have been over 9,000 COVID-19 Employment Litigation cases following January 2020

75% of businesses in the US are not adequately insured

20,000 malpractice lawsuits are filed every year in the U.S.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service