Professional Liability Insurance in Florida for Your Services

Cover Your Professional Services – E&O Insurance

Advice carries risk—E&O closes the gap.

Professional Liability—also called Errors & Omissions—covers claims alleging a mistake, omission, or failure in the services you provide. If a client says your work caused a financial loss, general liability won’t cover purely economic damages arising from advice. That’s where E&O responds with defense and settlements. Complete Trust Insurance serves consultants, agencies, and firms across Vero Beach and the Treasure Coast, aligning E&O with your broader commercial insurance plan so contracts, renewals, and limits work together.

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Who Needs Professional Liability?

If Your Work Guides Client Decisions, You Likely Need It.

Consultants, real estate professionals, accountants, insurance agents, marketing and creative agencies, IT professionals, engineers/architects (often on specialized forms), and design-build contractors all face E&O exposure. Even small service firms on Royal Palm Pointe can be drawn into costly disputes over alleged errors or missed deadlines. If you offer strategy, reports, deliverables, or specialized advice, E&O belongs in your toolkit. Contractors with design exposure should also consider contractors insurance alongside an E&O solution.

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Coverage Details that Matter

Defense First, Then Settlements—Typically Claims-Made.

E&O pays for attorney fees, expert witnesses, and judgments/settlements (up to limits) when covered allegations arise. Most policies are written on a claims-made basis, so maintaining continuous coverage and adequate retroactive dates is crucial. We’ll help you structure limits, deductibles, and key endorsements (contractual liability carve-backs, innocent insureds, worldwide coverage) based on your client contracts and revenue profile.

Florida Insights for Professionals

High Transaction Volume, Higher Expectations.

Busy real estate and service sectors mean more contracts, more timelines, and more chances for misunderstandings. We’ll review engagement letters, SOWs, and insurance provisions common around Vero Beach, Sebastian, and Fort Pierce to help you meet certificate and additional insured requests without overpaying.

Integrate with Your Business Insurance

Mind the Gap Between Policies.

E&O complements GL, cyber, and property—not a replacement. We’ll coordinate with your BOP or package, outline when cyber steps in (ransomware, data breach) versus E&O (professional error), and keep renewals aligned so there’s no lapse between carriers.

Frequently Asked Questions

E&O Answers for Florida Professionals.

  • What does E&O cover that GL doesn’t?

    E&O covers financial loss from alleged professional mistakes, missed deadlines, or bad advice; general liability won’t cover purely economic loss.

  • Is E&O required by law in Florida?

    Some professions or contracts require it. Many clients also mandate proof of E&O in service agreements.

  • What limits should I carry?

    Common starting points are $1M per claim/$1M–$2M aggregate. We’ll match limits to contracts, client size, and revenue.

  • How does claims-made coverage work?

    The policy in force when the claim is made responds, as long as the alleged error happened after the retroactive date. Avoid gaps to keep your retro date intact.

  • Will E&O cover subcontractors?

    Policies vary. We’ll review your vendor agreements and add requirements or endorsements where needed.

  • Can I bundle E&O with other policies?

    Yes—pair it with a business owners policy or package and coordinate with cyber for breach events.