💼 Professional Liability Insurance

Insurance for Every Profession

Professional liability and business insurance for over 120 professions across Arizona. From consultants to photographers, we've got you covered.

⚡ Fast quotes — often within 24 hours

💰 Competitive rates from 50+ carriers

📋 Same-day certificates of insurance

🏆 A-rated carriers only

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Coverage Options

Coverage Built for Professionals

Industry-specific coverage tailored for professional services operations.

📋

Professional Liability (E&O)

Protection against claims of negligence, errors, omissions, or failure to deliver professional services as promised.

Negligent advice or service
Errors & omissions
Missed deadlines
Defense costs included

🛡️

General Liability

Covers third-party bodily injury, property damage, and advertising injury claims at your business location or job sites.

Client injury claims
Property damage
Completed operations
Advertising injury

🏢

Property Coverage

Protects your office equipment, furniture, business personal property, and leasehold improvements.

Office equipment
Business contents
Leasehold improvements
Loss of income

🔐

Cyber Liability

Coverage for data breaches, ransomware attacks, and digital privacy violations — essential for businesses handling client data.

Data breach response
Cyber extortion
Network security liability
Regulatory defense

⚙️

Workers' Compensation

Required coverage for employees injured on the job — covers medical expenses, lost wages, and employer liability.

Medical expenses
Lost wages
Rehabilitation
Employer liability

🚗

Business Auto

Coverage for vehicles used in your professional operations — company cars, delivery vehicles, and hired/non-owned autos.

Company vehicles
Hired auto coverage
Non-owned auto
Cargo protection

Frequently Asked

What is miscellaneous professional liability insurance?

Miscellaneous professional liability (MPL) insurance covers businesses and individuals who provide professional services but don't fall into standard categories like doctors or lawyers. It protects against claims of negligence, errors, omissions, or failure to perform professional duties. This includes consultants, trainers, inspectors, designers, and dozens of other professions.

How much does professional liability insurance cost?

Professional liability insurance for miscellaneous professions typically starts around $500–$2,000/year, depending on your profession, revenue, claims history, and coverage limits. Some lower-risk professions like notaries or tutors may qualify for lower premiums, while higher-risk professions like investigators or appraisers may pay more.

Do I need professional liability if I have general liability?

Yes — they cover different things. General liability covers bodily injury and property damage (e.g., a client trips in your office). Professional liability covers claims arising from your professional services (e.g., a client says your advice caused them financial loss). Most professionals need both.

What professions qualify for miscellaneous professional liability?

Over 120 professions qualify, including consultants, appraisers, bookkeepers, cleaning services, event planners, graphic designers, HR consultants, interior designers, notaries, paralegals, photographers, private investigators, property managers, real estate agents, social workers, travel agents, tutors, and many more.

Can I get a certificate of insurance the same day?

Yes! Once your policy is bound, we can issue certificates of insurance the same day. This is especially useful for professionals who need proof of coverage for contracts, leases, or client requirements.