Professional Liability Insurance for Florida Businesses

One mistakem one unhappy client, one lawsuit, that's all it takes. OakLine protects Florida professionals against claims of errors, negligence, and bad advice.

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Protect Your Reputation and Your Business

Professional Liability — also called Errors & Omissions (E&O) — covers claims that your professional advice, service, or work caused a client financial harm. Even if you did nothing wrong, defending yourself against a lawsuit is expensive. Professional Liability covers your legal costs and any settlements so one dispute doesn't end your business.

Claims of errors or negligence in your work
Legal defense costs even if you're not at fault
Settlements and judgments
Covers past work through retroactive coverage

Who Needs Professional Liability?

Business, management, and strategy advisors

Agents, brokers, and property managers

Clinics, practitioners, and health professionals

Independent agents and brokers like OakLine

Developers, IT firms, and tech consultants

CPA's, bookkeepers, and financial advisors

Why Businesses Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

What's the difference between Professional Liability and General Liability?

General Liability covers physical incidents — someone getting hurt at your business or property damage you cause. Professional Liability covers financial harm caused by your professional advice or services. For example, GL covers a client slipping in your office. E&O covers a client suing you because your advice cost them money. Most businesses need both.

Do I need E&O insurance if I already have General Liability?

Yes — they cover completely different risks. GL won't protect you if a client claims your work or advice caused them financial loss. If you provide any kind of professional service or advice, E&O is a separate and essential coverage.

Does Professional Liability cover intentional wrongdoing?

No — Professional Liability only covers unintentional mistakes, errors, and negligence. If you deliberately defraud or harm a client, the policy won't cover it. It's designed to protect honest professionals from honest mistakes.

What industries need Professional Liability in Florida?

Any professional who provides advice or services for a fee should have it — consultants, real estate agents, healthcare providers, insurance agents, IT professionals, accountants, and financial advisors are among the most common. Some industries are required by law or licensing boards to carry it.

How much does Professional Liability cost in Florida?

Most professionals pay between $500–$3,000 per year depending on your industry, revenue, and claims history. Higher-risk professions like healthcare and financial services typically pay more. Get a free quote and we'll find you the best rate across multiple carriers.