Professional Liability

Professional Liability

If you are accused of malpractice and don’t have the right insurance protection, your firm could be devastated financially.

Who We Cover

Professional liability insurance from Evans, Pires & Leonard can cover the professional services of almost any firm, including doctors and their assistants, dentists, orthodontists, anesthesiologists, attorneys, accountants, architects and engineers, designers in multiple disciplines, realtors and many more. If you provide professional advice or services, you most likely need professional liability insurance.

Coverages Available

Often referred to as malpractice insurance, legal liability insurance, or errors and omissions insurance, a professional liability policy insures you and your practice against losses stemming from accusations that an error or negligence on your part caused physical or financial harm to someone.

Costs for settlements, damage awards and legal fees related to claims against your professional services are usually excluded from coverage under your general liability insurance policy but will be covered under a professional liability policy. Depending on how the policy is worded, defense costs could erode your total limits of coverage, leaving less to pay out in a settlement or damage award. If you want to avoid that, you can obtain a policy that pays for defense expenses outside of your liability limits. Some insurers even offer to pay for legal costs from the first dollar forward—known as “first-dollar defense.”

It is also possible to get prior acts coverage, which will cover specified work you did before initiating your newest policy. Other policies offer an extended reporting period, providing protection into the future, even after you retire. Since coverage for independent contractors is limited or excluded under many policies, your Evans, Pires & Leonard advisor will work with you to make sure you don’t have any gaps for services they provide to your clients.

    Contact Us Today

    Fill out the form to ask a question or request a quote and it will be answered by one of our insurance experts.

    Malpractice claims are a frightening reality for all professional groups.

    With Evans, Pires & Leonard, you’re not a policy to us. We create a relationship with our customers through earned trust, integrity, experience, and knowledge. Give us a call at 860.289.6816 or email us, or if you prefer fill out and return the convenient form on this page. One of our professionals will contact you to discuss your insurance needs and our alternative solutions in helping to protect you. Since 1967, we have been serving the communities from Tolland to Glastonbury to Portland and Old Saybrook.