Protect your business from claims, errors, and professional disputes with tailored professional liability insurance coverage guided by a trusted Madison independent insurance agency.
Professional mistakes, missed details, or client disputes can put your business at serious financial risk. Professional liability insurance, also known as errors and omissions insurance, helps protect Madison professionals from claims related to negligence, inaccurate advice, or failure to deliver services as expected. This coverage is essential for consultants, accountants, IT providers, real estate professionals, and service-based businesses.
We help you compare professional liability insurance options that align with your industry, contracts, and risk exposure. With guidance from a trusted independent insurance agency in Madison, you get coverage that protects your reputation, income, and long-term business stability.

Professional liability insurance, also known as errors and omissions (E&O) insurance, protects service-based businesses from claims of negligence, mistakes, or failure to deliver promised services. Unlike general liability insurance, which covers bodily injury and property damage, professional liability covers financial losses caused by your professional work.
In Madison's professional services environment, even experienced professionals can face claims. A client alleges your advice caused financial loss, a mistake in your work leads to project delays, or someone claims you failed to meet professional standards. Without professional liability insurance, defending against these claims could threaten your business and personal finances.
Highlights

When we help you compare professional liability insurance quotes, we ensure you understand what is covered and how the policy protects your professional services business.
Core Professional Liability Coverages Explained
Professional Negligence Claims
Covers claims that your professional services failed to meet industry standards or caused financial harm to a client. This includes allegations of carelessness, mistakes, or inadequate work.
Errors and Omissions
Protects against claims that you made an error in your work or failed to complete work as promised. This includes missed deadlines, incorrect advice, or incomplete deliverables that result in client losses.
Misrepresentation Claims
Covers allegations that you misrepresented your qualifications, services, or the expected results of your work. This includes claims of misleading statements or failure to disclose important information.
Legal Defense Costs
Pays for attorney fees, court costs, and legal expenses to defend against professional liability claims, even if the allegations are ultimately proven false or groundless.
Settlements and Judgments
Covers settlement amounts or court judgments if you are found liable for professional negligence or errors, up to your policy limits.
We help review your professional services, client contracts, and industry risks to determine appropriate coverage limits and ensure your policy matches your actual exposure.

Professional liability insurance is essential for any business that provides advice, expertise, or professional services to clients. If your business revenue comes from your knowledge, skills, or professional judgment, you likely need this coverage.
Professionals Who Commonly Need E&O Insurance
Many clients and contracts require proof of professional liability insurance before engaging your services. Even if not required, having coverage protects your business from potentially devastating financial claims.
We help determine whether your business needs professional liability insurance and what coverage limits are appropriate for your industry and client base.

Professional liability claims can arise from everyday professional activities, even when you follow best practices. Understanding common scenarios helps professionals recognize their exposure and the importance of adequate coverage.
Common professional liability situations we review with service providers include
These situations can result in expensive legal defense costs and settlements, even if you did nothing wrong. Having proper professional liability coverage protects your business and allows you to continue serving clients during a claim.

Professional liability insurance needs vary based on your industry, services offered, and client relationships. We help tailor coverage to match your specific professional risks and contract requirements.
We regularly assist
If your services expand, you take on larger clients, or your contract values increase, your professional liability coverage should be reviewed to ensure limits remain adequate for your exposure.

Professional liability insurance should not be a one-time purchase. As your business grows, your services evolve, or your client base changes, your professional liability exposure changes too.
We support our clients by
Our goal is to help you maintain proper professional liability protection over time, ensuring your coverage keeps pace with your business growth and changing risk exposure.
Get coverage that protects your professional services, your reputation, and your financial security.