Professional Liability Insurance
Find Coverage
Select your state to find coverage available in your area.
Protect your expertise and reputation.
Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, is tailored to protect professionals like you from legal claims and financial risks associated with errors, omissions, or negligence in your work.
This type of coverage is a crucial investment for professionals across various industries who provide services, advice, or expertise to clients. It will help you protect your business, your reputation, and—most importantly—your clients and the relationship you’ve built with them.
Accountants
As an accountant, your clients trust you with their financial well-being, which makes it all the more important for that confidential information to be protected by a comprehensive plan.
Our specialized insurance coverage offers thorough protection, shielding you from financial losses resulting from errors, omissions, or negligence in your accounting services. Eligible professionals include Accountants, CPAs, Bookkeepers, Enrolled Agents, and Tax Professionals.
How can this coverage help protect me?
- Lost Earnings Coverage—up to $600 per day for trial, hearing, or arbitration attendance
- Innocent Accountant Protection—coverage maintained even if another accountant at the firm commits a wrongful act
- Low Deductible Options—certain conditions allow for deductibles as low as $500
- Claims Hotline Access—guidance through the claims process via a dedicated hotline
- Extended Reporting Period Option—choice to purchase individual extended reporting period coverage upon policy termination
Find Coverage
Insurance may vary by location. Please select your state of practice to get started.
Engineers
Engineers shape the world around us, and with such responsibility comes the need for comprehensive protection. One size does not fit all—especially with professional liability insurance. We can provide tailored solutions for the sole proprietor, a large firm, and everything in between.How can this coverage help protect me?
- Designed for a Wide Range of Protection—Provides the per claim and aggregate limits to meet your professional liability insurance needs
- Member Benefits—Take advantage of member benefits, including seminars and webinars that offer up to a 10% scheduled credit rating on your insurance
- Comprehensive Professional Services—coverage for engineers, surveyors, architects, and broader definitions available1
- Licensing Board Defense—Regulatory proceedings (licensing board or disciplinary complaint) coverage up to $50,000 per coverage period
- Reputation Protection—Reputation management coverage—reimbursement of 50% of public relations expenses up to $50,000
- Privacy Protection—Privacy breach coverage up to $100,000 per coverage period
- Evolving with Technology—Drone coverage up to $25,000 per coverage period and optional Cyber Liability
- Protection Against Employee Lawsuits—Employment practices liability coverage up to $25,000 per coverage period
- Deductible Reduction—The Longevity Deductible Reduction Endorsement could reduce your deductible to a max of $25,000 on the first claim during the coverage period2
- Free Risk Management Hotline—Assists policyholders by identifying and establishing risk management best practices to help avoid claims and limit exposure. Enjoy two free hours of support, including contract review
1Depending on plan, may be included or may be specifically named by endorsement if exposure is reported.
2Available to qualifying firms; subject to underwriting.
Lawyers
As a lawyer, your role in the legal system is pivotal—but it also exposes you to unique risks and potential claims. Your career’s best defense? Our specialized insurance solutions. This coverage is designed to provide comprehensive protection whether you specialize in litigation, intellectual property, or any other area of law.How can this coverage help protect me?
- Broad Coverage—includes attorneys employed as government affairs advisors, lobbyists, and title agents (subject to underwriting)
- Lost Earnings Coverage—up to $500 per day (maximum $15,000 per insured/$30,000 aggregate) for trial, hearing, arbitration, or mediation attendance
- High Limits—coverage limits up to $10 million for qualified insureds (additional amounts available through quota and excess policies)
- No Hammer Clause—we never settle a claim without your consent
- Extended Reporting Period—free extended reporting period in the event of death, disability, or retirement
Find Coverage
Insurance may vary by location. Please select your state of practice to get started.
Real Estate Professionals
When it comes to buying and selling properties, real estate professionals are entrusted with helping clients navigate this intricate world. However, unforeseen challenges and potential claims can arise for even the most experienced professional. Our E&O insurance is designed by and for real estate professionals to protect your professional reputation and financial well-being. Whether you’re representing buyers, sellers, or both—our coverage provides comprehensive protection against errors, omissions, and negligence in your real estate services.How can this coverage help protect me and my firm?
- Agent-Owned Residential Property Transaction coverage
- Subpoena Assistance—no cost legal assistance
- Lockbox and Open House Coverage to Full Policy Limits—if theft or vandalism occur on a property during an open house, this coverage will reimburse damages
- Fair Housing Discrimination coverage—provides defense costs and damages for civil action resulting from fair housing discrimination
Find Coverage
Insurance may vary by location. Please select your state of practice to get started.
Orthodontists
In the field of orthodontic care, your expertise and precision are of utmost importance. However, despite your best efforts, misunderstandings, unexpected outcomes, or allegations of negligence can arise. That’s where professional liability insurance steps in. We understand the unique challenges faced by orthodontists like you. Our specialized coverage is designed to protect not only your practice but also your personal assets. Whether you’re dealing with a dissatisfied patient, a malpractice claim, or legal expenses—you can count on AAOIC to help protect you, so you can focus on what you do best: creating beautiful smiles and transforming lives.Why should I choose this coverage?
- Created by Orthodontists, for Orthodontists®—the only malpractice insurance that’s endorsed by the AAO
- Peer-reviewed claims—claims are reviewed by a committee of experienced orthodontists, not just a claims processor
- No hammer clause—we never settle a claim without your consent
- Flexible coverage options—occurrence and claims-made policies are available
Garage Liability Insurance
Operating a garage comes with its own set of unique risks. As a business owner in the automotive industry, you know firsthand the importance of providing exceptional service while managing the complexities of vehicle maintenance, repair, and storage.
No matter what your automotive business specializes in, one thing is certain: garage liability insurance is a must. This insurance is a type of package policy designed to cover injuries or property damage arising from your shop’s daily business operations.
Pearl’s AutoShield Plus program provides robust garage liability insurance, so you can run your automotive business with confidence.
How can this coverage help protect me?
- Shopping and application process assistance—we guide you every step of the way
- Customized coverage limits for your specific needs—we work closely with you to determine the appropriate coverage limits that align with your unique requirements, ensuring you have adequate protection
- Proactive risk management to prevent claims—strategies that help you identify and mitigate potential risks, minimizing the chances of claims, and safeguarding your business
- Flexible and convenient billing options— billing options designed to accommodate your preferences and make the payment process as convenient as possible
Which types of businesses are covered?
- Brake repair
- Carwashes
- Collision repair
- Heavy duty truck service and repair
- Mechanical repair
- Oil and lube shops
- Tire retailers
- Transmission repair
- Used auto sales
Find Coverage
Insurance may vary by location. Please select your state of practice to get started.
Overwhelmed? Don't be.
Pearl Insurance offers Professional Liability Insurance for professionals such as accountants, lawyers, and realtors! If you don’t see your profession listed, please contact us to see if we have coverage options that suit your business needs.
Don’t Buy E&O Insurance Until You’ve Asked the Broker These Questions
Real estate is a complex industry. In addition to regularly dealing with expensive properties, real estate professionals also have to handle sensitive data, including legal documents and personal information, among many other things. That being said, there is a great
Change of Season Brings New Claims Risks
With daylight savings time and cooler temperatures marking the change of season for much of the country, weather remains a concern for business owners. Not only do you have the deep freeze of northern states and the Midwest, but in
Boost Sales with Minimalist Staging
As real estate agents, it’s your business to know what’s trending in the marketplace, so it’s probably not a surprise to hear today’s home buyers are attracted to a balance of simplicity and warmth. So, what’s this trend that’s been
