Professional Liability Insurance 

Protection when your expertise is on the line

If a client claims your work caused them a loss, professional liability — errors & omissions — covers your defense and the damages. We shop it across multiple carriers and recommend the best-fit, best-priced option.

What professional liability covers

Protection when your expertise is on the line.

Professional liability — also called errors & omissions (E&O) — protects you when a client claims that your professional advice, services, or work caused them a financial loss. General liability covers physical risks like a visitor injured at your office; professional liability covers the risk that lives in your actual work product: a design that didn't perform, a report that missed something, or a recommendation a client relied on.

(Claims in this category rarely turn on) Professional Liability claims don’t depend on whether you did anything wrong. A completely groundless allegation can still take months and tens of thousands of dollars to resolve. Professional liability pays even if you are not a fault, and is what stands between that expense and your balance sheet.

Because the exposure looks different for every profession, so does the right policy. The application, the limits, the retroactive date, and the insurance companies who compete for your business all depend on what you do and how you do it. That's where an independent agent earns their keep — matching your specific work to the market that prices it best, rather than fitting you into a single insurance company’s box.

Negligence & errors

Defense and damages if a client alleges your work fell short of what was promised.

Legal defense costs

Covered even when the claim is unfounded — and defending a groundless claim can cost thousands.

Missed deadlines & omissions

Failure to deliver your professional services as promised, on the terms you agreed to.

WHO IT's FOR

Professions we commonly place.

●  Consultants

●  Accountants

●  Technology/IT

●  Design firms

●  Other professional services

Why place it through KHT

Specific things we do that most agencies don't.

Early renewal quotes

We quote your renewal well ahead of expiration — giving you time to review and compare, not a take-it-or-leave-it the day before.

Multiple insurance companies, lowest qualified quote

We shop across markets and recommend the best-fit, best-priced option.

Owners on your account

An established, owner-led team. When you call, you speak directly with the people responsible for protecting your business.

Getting a Quote

Straightforward from here.

1

Tell us about your business

Start a quote request or call. We’ll confirm exactly what your business needs.

2

We shop your coverage

We quote it with multiple insurance companies and compare the options side by side.

3

We recommend the best option

You get our recommendation with the lowest possible price, explained in plain terms.

Insurance you don't have to think about.

common questions

The questions we hear the most

Is professional liability the same as errors & omissions?

Yes — they're two names for the same coverage. "Professional liability" and "errors & omissions (E&O)" refer to the same protection against claims that your professional work or advice caused a client a loss. Some industries lean toward one term over the other, but the policy does the same job.

Do I need it if I already have general liability?

Yes - they cover different risks. General liability handles third-party bodily injury and property damage — someone slips in your office. Professional liability handles claims about your actual work: a design flaw, a missed deadline, advice that didn't pan out. Most professional firms carry both.

How much coverage do I need?

It depends on your profession, your contracts, and what your clients require of you. Many client and vendor agreements specify a minimum limit. We'll look at your situation and recommend limits that fit your real exposure.

What does it cost?

Premiums vary widely by profession, revenue, claims history, and the limits you carry. Rather than guess, the fastest way to a real number is to let us shop it (across our carriers) with our insurance companies — start a quote or call and we'll get you a comparison.

Get your professional liability quote.

Tell us about your business and we'll shop it — or call and talk it through with the people who'll actually handle your account.