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Home > Professional Liability Insurance - Fort Lauderdale & Miami, FL

Professional Liability Insurance


Professional Liability Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Professional Liability Insurance Quote Form

Professional Liability Insurance Information

What Is Professional Liability Insurance?

Professional liability insurance can help protect individuals and companies from assuming the full cost of defending a lawsuit that claims negligence of the individual or business. A claim of negligence, malpractice or misrepresentation is not covered under a general liability insurance policy, which makes professional liability insurance crucial for those who provide a service or advice for a fee. Depending on the profession, professional liability insurance may take on different forms and names, like malpractice and E & O insurance.

The number of liability lawsuits against professionals has increased in recent years. Many professionals within a variety of industries are at risk of being sued, whether the charges are valid or unfounded. Such lawsuits can mean financial ruin both professionally and personally, including the loss of cars, homes and careers. Professional liability insurance helps with the financial burden of these events.

Who Benefits From Professional Liability Insurance?

Any professional who provides a service, expertise or advice to clients for a fee can benefit from coverage against liability lawsuits. Even with quality employees and risk management practices in place, people still make mistakes. A general liability policy may not cover mistakes that could be made. Professional liability insurance will protect your business and its finances if such an event arises.

Get Started Today

We can help you evaluate your business for you to determine its unique insurance needs and help find the professional liability policy with the necessary coverage. Contact Bruening Insurance online to get started. We are happy to help you get the protection you need.

Property Damage & Bodily Injuries  

Someone might visit your business, slip and fall, and sustain an injury. Or, you might damage an item belonging to someone else while making a house call. In these cases of physical loss, commercial general liability insurance might apply. This coverage is a bit different from professional liability insurance, but still necessary to have.  

Employee & Employment Claims  

Professional liability policies will not apply to internal matters. For example, if an employee gets hurt on the job, then they will likely qualify for workers’ compensation. Should someone accuse you of professional misconduct towards interviewees, employees or those whom you let go, then you might need employment practices liability coverage to pay for the claim.  

Business Damage or Losses  

Most liability policies don’t apply to losses of the business itself. Physical damage will need protection from commercial property insurance. A loss the business sustains because of an interruption in work (by a covered event) might have coverage under business interruption or income replacement insurance.  

Excluded Losses  

Most professional liability policies exclude certain mistakes or misconduct completely. Policies will not cover losses that result from criminal actions, for example. So, if your business gets sued under a criminal charge, then your policy likely will not help you out.  

Professional liability policies vary from carrier to carrier. Therefore, examine your policy carefully to understand where coverage gaps might exist. Your agent can help you determine the best way to address these concerns.  

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Weston, FL 33326
Phone: (800) 293-0131

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110 Front Street
Suite 300
Jupiter, FL 33477
Phone: (800) 293-0131

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