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Professional liability insurance


What is Professional liability insurance?

Professional liability insurance, also called Errors and Omissions (E&O) insurance, protects specialized professionals from financial harm and reputational risks. High-profile industries often attract risks associated with the services they provide.

Professional liability coverage can offer solutions that help protect individuals and their businesses.

Why Zurich?

Zurich’s Pro Plus® E&O insurance brings flexible, effective solutions to the professional liability market. Pro Plus gives specialized professionals extensive insurance protection with the ability to choose the coverage that works best for them. Our modular format lets businesses select or combine Technology, Manufacturer's and Miscellaneous Professional Liability with Cyber Security and Privacy, Media Liability and Employed Lawyers coverages – all in one single, efficient policy. Pro Plus provides limits of up to $25 million.

Our Professional Liability specialists have the experience and knowledge to serve the unique needs of each customer and their business. We can offer tailored solutions for handling legal action and false claims for a broad range of professionals. Zurich’s team can foresee new growth opportunities and help protect a business as it expands and evolves.

Flexible solutions
Pro Plus® offers nine different E&O products in one program, with a modular format that lets customers choose the solutions they need in one single, efficient policy.

Claims advantage
Our Claims specialists include qualified, experienced attorneys who understand the unique challenges of professional liability issues.

Zurich’s presence in more than 215 countries and territories gives us access to the resources of a global network.


professional liability

Benefits of Professional Liability insurance

Among the benefits available to Pro Plus customers:

  • Professional services definition tailored for every customer
  • Admitted insurance coverage available in most states
  • Ability to cover professional liability and cyber security exposures – including business income loss, system failure and social engineering – under a single limit
  • Duty to defend
  • Defense costs for privacy-related regulatory proceeding
  • Consumer-redress funds coverage following a privacy breach
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Enhanced endorsements

Pro Plus enhanced endorsements can provide an even greater array of protections to qualified customers:

  • Bodily injury/Property Damage (BI/PD) carve-back
  • Pro rata cancellation
  • eDiscovery services
  • Crisis-management coverage
  • Retention-reduction options
  • Alternative dispute-resolution incentives

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Broad definition of targeted classes

Our expansive list of targeted classes includes but is not limited to:

  • Business process outsourcing
  • Consulting
  • Logistics
  • Manufacturing
  • Miscellaneous Professional
  • Real estate agent and property managers
  • Software development
  • Telecommunications

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