American Insurance Agency State of Florida

Florida Professional Liability Insurance for Businesses & Professionals

Protect your reputation and your bottom line. Our professional liability insurance (E&O) covers Florida consultants, real estate, tech, and service professionals from costly claims.

What Does Professional Liability Insurance Cover in Florida?

Also known as Errors & Omissions (E&O) insurance, this coverage protects your business when a client claims you made a mistake, gave bad advice, or failed to deliver a promised service.

Negligence & Mistakes

Protects against claims of errors in your work or professional advice.

Misrepresentation

Covers allegations that you provided misleading information or failed to disclose important facts.

Breach of Contract

Covers legal expenses if you’re accused of failing to meet contract terms.

Legal Defense & Settlements

Pays for attorney fees, court costs, and settlements—even if you did nothing wrong.

Claims from Past Work

Some policies can cover work done before your current coverage started.

Florida Example:
 A consultant is sued by a client for a mistake in project recommendations—E&O insurance pays for defense and settlement costs.

Who Needs Professional Liability Insurance in Florida?

If you provide advice, design, technical, or professional services, you could be at risk for E&O claims.

Common professionals and businesses who need coverage:

  • Contractors and construction firms
  • Retail shops and restaurants
  • Medical offices and clinics
  • Service businesses and professional offices
  • Nonprofits and more

Doctors, lawyers, and medical providers typically need malpractice insurance (a separate policy).

How Does Professional Liability Work in Florida?

  • Claims-made policies:
    Coverage must be active when the claim is made—even if the incident happened earlier.


  • Customizable limits:
    Tailor your policy to your risk, contracts, and industry standards.

  • Required by contracts:
    Many Florida companies and government projects require proof of professional liability insurance.
ASK ABOUT INDUSTRY-SPECIFIC E&O SOLUTIONS

 Why Choose American Insurance Agency?

E&O specialists for Florida businesses

advice you can trust, policies tailored for your profession.

Independent, multi-carrier agency

we shop the best carriers for price and protection.

Clear, honest service

no jargon, just guidance.

Fast support for certificates, questions, and claims.

Professional Liability Insurance

Frequently Asked Questions

  • Is professional liability insurance required by law in Florida?

    No, but many contracts and clients will require proof of E&O coverage.

  • How much does professional liability insurance cost in Florida?

    Premiums depend on your industry, claims history, and coverage limits. We compare options to get you the best value.

  • What’s the difference between general liability and professional liability?

    General liability covers bodily injury and property damage; professional liability covers errors, advice, and omissions in your work.

  • Can I get coverage for past work?

    Some policies include prior acts coverage—ask us for details.

  • Can E&O policies be bundled with other business insurance?

    Yes, bundling can save money and simplify your coverage.

STILL HAVE QUESTIONS ABOUT E&O?

Protect Your Professional Reputation—Get E&O Coverage Today

Strengthen your business with Florida professional liability insurance tailored to your services and contracts. Get expert support and flexible coverage that empowers you to focus on your clients and your growth.

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