Affordable, customized professional insurance coverage from 'A' rated insurers
Licensed and experienced advisors - who understand your business
Direct phone access to your own, US-based, personal advisor
At InsuranceBee we speak your language and understand your business and we're committed to setting a new standard in arranging professional liability insurance for freelancers, independent consultants and small firms.
|Small consulting firm||from $270||More | Get a quote|
|Independent IT contractor||from $400||More | Get a quote|
|Insurance broker||from $1,250||More | Get a quote|
|Real estate agents||from $369||More | Get a quote|
Read more about professional liability insurance.
It’s a risky world out there.
For you, that’s both a good and a bad thing. More clients come to you for protection against those risks which means you're nice and busy. That's the good news.
The bad news is that more clients for you also means more risk for you. With each new account comes the added likelihood of a claim against you.
Missed a renewal? Arranged the wrong policy? As your expertise lies in reducing risk for others, it makes sense to heed your own advice and protect your business too.
Professional liability insurance covers the legal costs and damages you're liable for if a client sues you for a mistake you've made.
Rent or buy? City or suburbs? Apartment block or studio flat?
Just some of the many questions your clients will ask you, the expert. And given that you are the expert, your clients will look to you to evaluate the pros and cons of their dream moves.
However, if that dream move turns into a nightmare, it may come as a surprise to hear that this same expertise leaves you open to a potential claim of professional negligence.
If the worst does happen, errors and omissions insurance will cover the legal costs of a claim or an allegation of negligence against you, and any damages you’re liable for.
Whether it's a rural farm or a big city apartment, your clients expect your valuations to be both accurate and reliable.
You're a professional and your opinion is highly regarded; and relied upon for a multitude of significant decisions.
Of course you don't take this responsibility lightly but, no matter how meticulous you are, disputes over valuations are always a potential risk.
Our assessment? If something does go wrong, you'll need to defend yourself. Professional liability insurance provides essential cover for both the legal costs of a claim and any damages you're liable for.
When it's their money in your hands, your clients can be demanding. Naturally, they expect accuracy and attention to detail.
And you consider you're a safe pair of hands. You pride yourself in the quality of the service you offer your clients. You're meticulous in your work and an expert in your field.
But what happens when the books don't balance? If a disgruntled client alleges you've made a mistake and it's cost them, you'll need to defend yourself.
A professional liability insurance policy covers the cost of your defence and any damages you’re liable for.
Technology is all about zeros and ones: it either works or it doesn't. At least that's what your clients think.
In fact, the majority of the products or services you offer are likely to be highly complex, with countless opportunities for error.
The fact that your client may lack the technical knowledge to realistically evaluate the solution you deliver can compound the problem.
Despite your expertise and your best efforts, mistakes can happen and disagreements with clients can arise.
The solution is professional liability insurance. If a client does claim against you, whether they have a case or not, it pays for your legal defence costs and any damages you're liable for.
In these uncertain times, planning your own future is hard enough. Helping your clients plan for theirs is even more difficult.
If they've asked for your business expertise, your analysis and advice will be under scrutiny leaving you potentially vulnerable to harmful allegations of negligence.
If things don’t go according to plan, they'll look to you to fix the problem or compensate them if you can't.
You don't need a sixth sense to see that your reputation and your finances need protection. Professional liability insurance covers the consequences - and the cost - of a disgruntled client pointing their finger in your direction.
Chances are, if you're offering a specialist service, you'll need some specialist insurance.
Any business that gives advice or offers specific expertise should protect itself with professional liability insurance.
Why? Put simply, it helps fight your corner.
If a dissatisfied client accuses you of doing something wrong, or if you make a genuine mistake (which happens more often than you might think), your policy will defend you and protect your interests.