California Professional Liability Insurance
Protect your professional services business with comprehensive Errors & Omissions (E&O) insurance. Essential coverage for consultants, contractors, and service providers.
Errors & Omissions
Protection against professional mistakes and oversights
Legal Defense
Coverage for attorney fees and court costs
Negligence Claims
Protection against allegations of professional negligence
Financial Loss
Coverage for client financial losses due to your services
Professions We Cover
Professional liability insurance tailored to your specific industry and risks
Consultants
Management, IT, marketing, and business consultants providing professional advice and services.
Architects & Engineers
Design professionals, structural engineers, and construction consultants with specialized liability needs.
Technology Services
Software developers, IT consultants, and technology service providers with digital liability exposure.
Financial Services
Accountants, financial advisors, insurance agents, and other financial professionals.
Healthcare Providers
Medical professionals, therapists, and healthcare consultants with malpractice exposure.
Legal Professionals
Attorneys, paralegals, and legal consultants requiring professional malpractice coverage.
Comprehensive Professional Liability Coverage
Complete protection for your professional services and advice
Errors & Omissions
Protection against claims of professional mistakes, oversights, or failure to deliver promised services.
- Professional mistakes and oversights
- Failure to deliver services
- Missed deadlines and delays
- Inadequate work performance
Negligence Claims
Coverage for allegations that your professional services fell below industry standards.
- Professional negligence allegations
- Breach of professional duty
- Failure to meet standards
- Misrepresentation claims
Legal Defense
Complete legal defense coverage including attorney fees, court costs, and expert witness fees.
- Attorney fees and legal costs
- Court costs and filing fees
- Expert witness expenses
- Settlement negotiations
Financial Loss Coverage
Protection for client financial losses resulting from your professional services or advice.
- Client financial damages
- Lost profits and income
- Additional expenses incurred
- Consequential damages
Why Professional Liability Insurance is Essential
Understanding the unique risks facing California professionals
High-Stakes Environment
California's business environment involves high-value contracts and sophisticated clients who expect professional excellence and may pursue claims for perceived shortcomings.
Contract Requirements
Many California clients and contracts require proof of professional liability insurance with specific minimum limits before engaging professional services.
Financial Protection
Professional liability claims can be financially devastating, with legal defense costs alone often exceeding $100,000 even for frivolous claims.
Professional Credibility
Having professional liability insurance demonstrates your commitment to professional standards and provides peace of mind to clients.
Serving California Professionals Statewide
From Silicon Valley tech consultants to Los Angeles entertainment professionals, we provide professional liability insurance across all of California's major business centers and professional communities.
Los Angeles Area
Comprehensive coverage for LA's diverse professional market
- • Los Angeles
- • Long Beach
- • Glendale
- • Pasadena
- • Burbank
San Francisco Bay Area
Premium coverage for high-value Bay Area locations
- • San Francisco
- • Oakland
- • San Jose
- • Fremont
- • Santa Clara
San Diego Area
Tailored protection for Southern California's coastal markets
- • San Diego
- • Chula Vista
- • Oceanside
- • Escondido
- • Carlsbad
Central Valley
Affordable coverage for California's agricultural heartland
- • Fresno
- • Bakersfield
- • Stockton
- • Modesto
- • Visalia
Sacramento Area
Capital region coverage with competitive rates
- • Sacramento
- • Elk Grove
- • Roseville
- • Folsom
- • Davis
Inland Empire
Growing market coverage for Riverside and San Bernardino
- • Riverside
- • San Bernardino
- • Fontana
- • Moreno Valley
- • Rancho Cucamonga
Northern California
Specialized coverage for rural and mountain communities
- • Redding
- • Chico
- • Eureka
- • Ukiah
- • Yuba City
Orange County
Premium coverage for affluent Orange County markets
- • Anaheim
- • Irvine
- • Huntington Beach
- • Santa Ana
- • Newport Beach
Central Coast
Coastal protection for wine country and beach communities
- • Santa Barbara
- • San Luis Obispo
- • Monterey
- • Salinas
- • Santa Maria
North Bay
Wine country expertise for Napa and Sonoma regions
- • Napa
- • Santa Rosa
- • Petaluma
- • San Rafael
- • Vallejo
Sierra Nevada/Lake Tahoe
Mountain resort and tourism market coverage
- • South Lake Tahoe
- • Truckee
- • Mammoth Lakes
- • Bishop
- • Grass Valley
Imperial Valley
Desert agricultural region with border community coverage
- • El Centro
- • Calexico
- • Brawley
- • Imperial
- • Holtville
Protect Your California Practice Today
Don't risk your professional reputation and financial security. Get comprehensive professional liability coverage from California's trusted insurance specialists.
Fast, competitive quotes from specialized E&O carriers
Industry-specific coverage tailored to your profession
California professionals who understand your risks
Get Your Free California Professional Liability Quote
Frequently Asked Questions
Everything you need to know about professional liability insurance in California
What is professional liability insurance?
Professional liability insurance, also known as Errors & Omissions (E&O) insurance, protects professionals against claims of negligence, errors, omissions, or failure to deliver promised services. It covers legal defense costs and damages awarded to clients.
Who needs professional liability insurance in California?
Any business providing professional services or advice should consider professional liability insurance. This includes consultants, contractors, IT professionals, architects, engineers, accountants, lawyers, real estate agents, insurance agents, and healthcare providers.
What's the difference between professional liability and general liability?
General liability covers third-party bodily injury and property damage, while professional liability covers financial losses resulting from your professional services, advice, or failure to perform. Most businesses need both types of coverage.
How much professional liability coverage do I need?
Coverage needs vary by profession and client requirements. Many professionals carry $1-2 million per claim with $2-3 million aggregate limits. Some clients or contracts may require specific minimum amounts, often $1 million or higher.
Does professional liability insurance cover past work?
Professional liability policies are typically 'claims-made,' meaning they cover claims made during the policy period for work performed after the retroactive date. It's important to maintain continuous coverage to avoid gaps in protection.
What's not covered by professional liability insurance?
Professional liability typically doesn't cover bodily injury, property damage, criminal acts, intentional wrongdoing, employment practices, or cyber liability. These risks may require separate insurance policies.
Still have questions about protecting your professional practice?
Contact Our Professional Liability Experts