Professional Liability Insurance (PLI)

Professional liability insurance protects your business from claims of negligence related to the professional services you provide.

Safeguard your business from claims of unsatisfactory work.

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Professional liability insurance, also known as errors & omissions (E&O) insurance, offers protection to small businesses that provide professional services or advice to clients.

Coverage for both negligence and legal defense costs.

If you’re ever sued for negligence because mistakes were made or your work didn’t meet client expectations, we’ll cover legal defense expenses, as well as, the cost of settlements and judgments—whether or not it was your fault.

Don’t let a mistake or misunderstanding damage your business.

With coverage for alleged or actual negligence by any employee, temporary staff, or an independent contractor associated with your business, you’ll have protection from the everyday risks you face in delivering professional services, such as:

  • Claims of negligence
  • Work mistakes and oversights
  • Incorrect advice
  • Undelivered services
  • Missed deadlines
  • Omissions


Frequently Asked Questions

  • Our society allows persons and organizations to freely demand relief from other persons and organizations. Professional liability insurance provides insurance protection for you and your business for risks described in the insurance, and involving the delivery of your professional services to others, for remuneration. Insurance coverage for you and your business:

    • In providing professional services as described
    • In providing advice to your clients, in connection with your professional services
    • If professional liability insurance is required by your client, relative to the services to be performed
  • This insurance is subject to the limit and deductible amount chosen and is intended to cover the following:

    • Defense expenses for covered claims; Colonial has the duty to defend against coverage claim situations
    • Alleged or actual negligence related to providing covered professional services to others
    • Libel and/or slander in connection with covered claim situations
    • Employee, temporary staff and independent contractor negligence specifically related to the delivery of your professional services
    • Worldwide coverage territory
    • Amounts of monetary settlements or judgements, subject to policy limits and deductible amounts
    • Multiple claims during the policy period
  • Colonial Surety Company offers the direct and digital way to get insurance, instantly. The steps are simple—get a quote online, fill out your information, and enter your payment method. It’s that simple!

  • Yes, it is important to purchase your insurance from a quality and financially secure company. Incorporated since 1930, Colonial Surety Company is an A (Excellent) rated insurance company by A.M. Best. We are Treasury listed, licensed, and admitted in all U.S. states and territories.

Get the word straight from our customers.