Also called E&O. Covers the claim that your advice, design, or service cost a client money — even when you did nothing wrong. Free quote in minutes.
Even experienced professionals can face claims of errors, negligence, or failure to deliver services as expected. Professional Liability Insurance helps protect Texas businesses from the financial impact of lawsuits, legal defense costs, and settlement expenses related to professional services.
At TIA-Texas Insurance Agency, we help professionals across Texas secure coverage that protects their reputation, income, and long-term business stability.
Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, helps cover claims that arise when a client alleges your business made a mistake, provided inadequate advice, or failed to meet professional standards.
Unlike general liability insurance, which covers bodily injury or property damage, professional liability insurance focuses on financial losses caused by professional services or advice.
This coverage is essential for businesses where expertise, guidance, or decision-making directly impacts clients.
Professional liability insurance policies can vary by profession, but most include the following core coverage areas:
Texas businesses operate in competitive environments where client expectations are high. Even small misunderstandings or perceived errors can lead to legal action.
Professional liability insurance helps:
Without this coverage, legal claims can threaten the survival of a professional business.
Professional liability insurance is important for businesses and individuals who provide services, expertise, or professional advice. This includes:
If your clients rely on your professional knowledge or decisions, this coverage is a critical part of your risk management strategy.
As an independent insurance agency, TIA-Texas Insurance Agency helps you compare coverage options to find a policy that fits your business needs.
Tell us a little about yourself and a licensed Texas agent will send your personalized options — fast.
Prefer to talk? Call 713-921-8000
Protection built around what matters most to you.
This coverage helps protect your business if a client claims you made a mistake, overlooked important details, or failed to perform services as promised.
Professional liability insurance helps cover attorney fees, court costs, and other legal expenses associated with defending your business against a covered claim.
If a covered claim results in a settlement or court-ordered judgment, professional liability insurance helps pay those costs up to your policy limits.
If a client alleges that incorrect advice, recommendations, or professional guidance caused them financial harm, this coverage helps protect your business.
Coverage may apply if a client claims your business failed to meet contractual or professional obligations related to your services.
A local team, top carriers, and support that actually shows up.
Agents who know Texas coverage rules and minimums inside out.
We compare multiple A-rated insurers to find your best fit.
Get a tailored quote in minutes, with zero obligation.
We stand beside you from first quote through every claim.
Three simple steps to the right policy.
Tell us a few quick details about what you need to cover.
We match you with the right coverage at the right price.
Bind your policy with confidence and peace of mind.
It is not required by Texas law, but many clients, contracts, and licensing boards require professionals to carry this coverage.
No. General liability covers bodily injury and property damage, while professional liability covers financial losses related to professional services or advice.
Coverage depends on your policy’s retroactive date and claims-made terms. Maintaining continuous coverage is important.
Yes. Many small and independent professionals benefit from this coverage, especially service-based businesses.
Pricing depends on your profession, services offered, claims history, revenue, and coverage limits.
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