Defense costs
Review how legal defense is provided, whether defense costs reduce your limits, and any consent-to-settle provisions.
Protection for your expertise
Your expertise deserves a strong defense.
Professional liability insurance helps protect a business when a client alleges that its professional services caused a financial loss. SCIB helps you compare the details that matter to your practice.
Explore your optionsTHE BIG PICTURE
Coverage starts with
understanding your risk.
You build your business on sound advice, careful work, and trust. Even then, an allegation of an error, missed deadline, or omission can put your reputation and finances under pressure. Professional liability coverage—often called errors and omissions or E&O—addresses this professional services exposure, subject to the policy's terms.
Professional services
Match the policy's definition of covered services to the work your business actually performs.
Prior acts & continuity
Understand the retroactive date, claims-made reporting requirements, and the impact of switching insurers.
Limits & deductibles
Compare per-claim limits, aggregate limits, deductibles, and client contract requirements together.
These are coverage considerations, not a description of a specific policy. Coverage varies by insurer and is subject to all policy terms, conditions, exclusions, and underwriting.
A MORE USEFUL CONVERSATION
Bring the details.
We’ll bring perspective.
A useful comparison starts with your business—not a generic price.
- 01
Tell us what you do
Your services, clients, and location set the direction. We work with businesses in Texas, Tennessee, and California.
- 02
Share what matters
Current policies, contract requirements, claims history, and business changes help us identify the right questions.
- 03
Review your options
Consider coverage details, conditions, limits, and price together before making a decision.
STRAIGHT ANSWERS
Good questions.
Clearer decisions.
Who needs professional liability insurance?
Businesses and individuals that provide professional advice or services should evaluate it. Examples include lawyers, accountants, consultants, insurance agents, and technology service providers. The appropriate policy depends on your services and contractual obligations.
Is professional liability the same as E&O?
The terms are often used interchangeably. Lawyers may call it legal malpractice insurance, while technology businesses may use technology E&O. Definitions, exclusions, and covered services vary by policy.
Does general liability cover professional mistakes?
General liability and professional liability address different exposures. General liability commonly addresses certain bodily injury and property damage claims; professional liability addresses allegations involving professional services. Review both forms for exclusions and overlap.
What information is needed to explore coverage?
Your services, revenue, team size, location, current coverage, claims history, and client insurance requirements are a useful starting point. A carrier may require a more detailed application.
THE CONNECTED PICTURE
Consider these, too.
YOUR NEXT CHAPTER, PROTECTED
Let’s find your way forward.
Tell us a little about your business. We’ll help you make sense of your coverage options.