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Professional liability insurance in Florida
Protect Your Business and Career Get Peace of Mind

Professional liability insurance in Florida

Professional liability insurance coverage, also called errors and omissions insurance, protects small business owners against the cost of client lawsuits over unsatisfactory work.

Any Business or Professional licensed that sells its expertise should consider professional liability insurance. Also known as errors and omissions (E&O) insurance, this coverage protects your company and your bottom line from customer claims of late, incomplete, or unsatisfactory work. Accusations like these can lead to costly lawsuits.

If an individual is sued over professional liability, their personal assets such as homes, cars and other possessions are at potential risk. One simple mistake could mean personal financial ruin, as well as ending a professional career.

Why Do Real Estate Agents Need Business Insurance?

Lawsuits against real estate agents are common due to alleged failures to disclose defects, negligent misrepresentations, missed disclaimers, misunderstandings about boundary lines, and other issues that arise in the sale of a property.

At Angel Family Insurance, we offer the professional liability insurance that real estate agents need in order to cover the professional services they provide and the general liability insurance to protect small business owners from bodily injury and property damage claims. Both of these types of insurance are valuable for real estate agents and protect against the varied risks specific to this field.

The Healthcare Professional Liability Insurance That Nurses Need

Nursing professionals work hard and use various methods to treat patients. While you’ll spend your career avoiding mistakes, unfortunately they happen. And if an error causes your patient a financial loss, they can sue you. Even if you don’t make a mistake during treatment, you can still get sued and potentially be legally obligated to pay a covered claim. That’s why professional liability insurance for nurses is important to have.

Professional liability insurance for nurses helps protect you from claims of medical malpractice resulting from professional services. If you get sued, it can help pay for the costs to defend your business in court.

What Is Professional Liability Insurance for Healthcare Professionals?

Professional liability insurance for healthcare workers helps cover claims you’d have to pay as a result of:

  • Negligence
  • Misrepresentation
  • Inaccurate advice
  • Failure to protect a patient’s healthcare records

It helps protect different types of healthcare professionals, like nurse practitioners, physical therapists and occupational therapists. You may have heard different names for professional liability insurance for healthcare workers, like:

  • Medical malpractice insurance
  • Nurse malpractice insurance
  • Errors and omissions insurance
  • E&O insurance

If you get sued because of your professional services, this type of business insurance can help cover your:

  • Legal fees
  • Defense costs
  • Judgments
  • Settlements
  • Lost income if you have to attend a trial or deposition

Your professional liability insurance policy will include limits of liability. This means your insurer will only cover claims up to a certain amount. Common limits include a $1 million occurrence limit and a $3 million aggregate limit. In this case, an insurer will cover up to $1 million for a claim and a maximum of $3 million during the policy period.

Do Nurses Need Professional Liability Insurance?

Professional liability insurance is a critical coverage for nursing professionals. Some states require nurses to carry professional liability insurance. Even if it’s not required, the peace of mind that comes with protecting your business is worth it.

This type of insurance coverage can help different types of healthcare professionals, like:

  • Registered nurses
  • Clinical nurse specialists
  • Visiting nurses
  • Licensed vocational or practical nurses
  • Certified nursing assistants

Why Is Professional Liability Insurance Important for Nurses?

Doctors are not the only healthcare professionals who have to deal with lawsuits. Nursing professionals are also sued regularly by patients or their representatives and even the state board of nursing (SBON). Professional liability insurance can protect nurses from expensive litigation and offers peace of mind during incidents that occur.

Additional Nurse Liability Insurance Coverages You May Need

Professional liability insurance for healthcare workers doesn’t cover every kind of claim that nurses may face. You’ll likely need other types of medical business insurance or assault coverage, like:

General liability insurance to help protect your business if a claim is filed for:

  • Damage to property or to someone’s belongings
  • Bodily injury
  • Personal injury, like libel or slander

Workers’ compensation insurance help your employees recover from a work-related injury or illness. This insurance coverage provides benefits that can help:

  • Pay for medical bills
  • Cover ongoing care expenses, like physical therapy
  • Replace some lost wages

Commercial property insurance to help protect your owned or rented building and operational equipment. This can include:

  • Blood pressure monitors
  • Medical tools
  • Computers
  • Software
  • Stethoscope

How Much Is Professional Liability Insurance for a Nurse?

Professional liability insurance for nurses can cost between $300 and $1,500 a year. Nurse liability insurance costs vary because every business is unique and has different needs. Insurance companies use different factors to determine insurance costs. These can include:

  • Claims history
  • Years in business or experience
  • Location

The best way to find out what you’ll pay for professional liability insurance for nurses is to get a quote. You can call now to find out how much professional liability insurance will be for you.

Get a Quote for Nurses Professional Liability Insurance Coverage Today

It’s important to partner with an experienced insurance company, like us. We have work top carriers in Flroida experience and know the unique risks that healthcare professionals face. Our specialists can help you get the medical business insurance coverage you need or walk you through the claims process.

Call today and see how we can help protect you.

General and Professional Liability Insurance for Restaurants and Hospitality Businesses

A solid commercial insurance package is crucial for restaurants and other hospitality businesses. It helps cover the costs associated with potential property damage and liability claims, and workers compensation, required by state law, covers employee injuries on the job. Without the right coverage, restaurant owners would have to pay 100% out of pocket for claims made against their business.

For a small, single-location restaurant, this can be a single business owner’s policy (BOP), while a larger hospitality group would likely need separate property, general liability, liquor liability, and workers compensation policies.

Why is it so important that the owners of restaurants or other hospitality businesses have proper insurance coverage?

  • Injuries If someone slips or trips on your business property, even if they’re not your employee, they can file a lawsuit to cover their medical costs. Back strains from improper lifting are another common cause of workplace injuries.
  • Liquor liability If a customer of yours gets intoxicated and then injures another person or damages property, even if it’s not yours, you could be liable for the associated costs.
  • Food poisoning If a customer says they had food poisoning after eating in your establishment, they could file a lawsuit to recover medical costs.
  • Property damage In the event that your building or equipment is damaged due to a kitchen fire, vandalism, or even heavy rain, you could be on the hook for a lot of money to replace it if you don’t have enough property insurance. It can be tempting to save money by buying the minimum amount of coverage you can get, but this can lead to hefty bills after a loss if you realize you don’t have a high enough property limit to cover your replacement costs.
  • Employment practices claims If an employee claims they were sexually harassed or otherwise discriminated against on the job, they could file an EEOC claim and sue your business if they believe you did not do enough to stop it.

What is the difference between general liability and professional liability, and why do I need both?

Both types of insurance claims can be financially devastating to a hospitality business

  • General liability – This covers physical risks, such as property damage and bodily injuries. This could include a customer slipping on a spilled drink or a valet driver damaging a vehicle.
  • Professional liability – This covers errors and omissions in the services your restaurant provides. This could include a bout of food poisoning from poor food preparation.

What is covered under professional liability insurance in Florida?

Professional liability insurance covers the cost of lawsuits related to the quality of your work, including legal fees and settlements.

It covers the following types of customer claims for many Florida businesses:

  • Accusations of negligence, such as an who creates an unsafe building design.
  • Work mistakes and oversights, such as an
  • Inaccurate advice, such as an who misinterprets a legal statute that results in a costly mistake.
  • Missed deadlines and undelivered services, such as a web designer who fails to build a website before a client’s busy season.

What is professional liability insurance?

Unlike general liability insurance, which covers bodily injury and property damage claims, professional liability insurance (also known as errors and omissions insurance) covers claims made against your business as a result of the services you provide. Examples of these claims could be for negligence, misrepresentation or even inaccurate advice. 

Just like any insurance policy, a professional liability insurance policy will not protect your business from everything. There are coverages, limitations and exclusions that you should be aware of before getting a policy.

What is typically covered?

  • Claims made against you from your professional services or advice
  • Claims made against you from work done in the past
  • Claims against your employees’ actions.

What typically isn’t covered?

  • Injuries to someone else for an accident you cause
  • Damages to someone else’s property
  • Advertising and personal injury coverage
  • Work-related injuries or illnesses
  • Electronic data/cyber liability

What does professional liability insurance cost?

Without knowing any details about your business, giving you an estimate on professional liability insurance isn’t really realistic. The cost can range significantly and this is especially the case with professional liability insurance.

But we’ll start by giving you a vague range of what you might expect.

A professional liability policy can vary significantly based on several factors but you can generally expect it to fall somewhere between $500 to $2,000 per year or $32 to $166 per month.

Factors that influence professional liability insurance cost:

We know the range we gave you was a bit broad. So let’s get into the meat of what factors will actually affect your professional liability insurance cost.


Believe it or not, the industry you do business in will influence the cost of your professional liability insurance.

The type of work you do is directly related to the likelihood of someone of making a claim against your business.

For example, service-heavy industries are far more likely to be sued for things such as negligence, misrepresentation or inaccurate advice, especially if it’s a costly service.

Therefore certain industries will be priced higher than others.

Years in business

The number of years you’ve been in business will likely also impact your professional liability premium.

If you’re a reputable business without any claims who has been established for many years, insurance companies will consider you less of a risk and offer you a lower cost.

Gross revenues

You know the saying more money, more problems? Well it applies to your business.

The value of your company can be indicative of how costly a claim could be, if you were to have one.

Therefore, your professional liability insurance will be more expensive the higher your gross revenues and payroll is.

Number of employees

The bigger the company, the greater the chances of having an insurance claim. 

The bigger your company and the more employees you have, the more opportunities you have to be exposed to a claim.

Coverage limits

Each type of insurance has limits. These amounts are the total amount the insurance carrier would pay out if you were to have a claim.

The higher the limits you choose, the higher your premium will be.


Another factor that influences the price of professional liability insurance is your deductible. A deductible is the amount you would have to pay out before an insurance carrier paid you any claim money. And usually you have a few deductible options for you to choose from.

With professional liability insurance, you can generally choose between deductibles ranging from $1,000 to $10,000.

The higher your deductible, the lower your premium will be.

Your insurance carrier:

Each insurance carrier rates cost differently, so the cost of a policy can vary based on the carrier it’s quoted with. We’ve seen some professional liability insurance quotes for the same business vary by a good amount.

That’s why we always stress working with an independent agent (like us) who can shop your insurance around with all the carriers they work with to get you the right coverage at the right price.

Professional liability premium examples:

You know the factors that influence price, but you probably still don’t have a clear idea of what exactly that means for your business.

So to help give you some more insight, we’ll give you some specific examples of some of the professional liability insurance policies we’ve issued recently:

  • Real Estate Agent- E&O- $1,000,000 Each Claim/ $2,000,000 aggregate- premium $747.00
  • Human Resources Consultant- E&O - $1,000,000 each claim/ $1,000,000 aggregate- premium $1332.00
  • Software Internet Design Service- Cyber (1st & 3rd party) bundled- $1,000,000 policy annual single limit/ $2,000,000 aggregate limit of liability- premium $4,365.00

For the best price, work with a reputable agent

If you’re looking for the right price for your professional liability insurance, you’ll want to make sure you’re working with a reputable insurance agent.

An independent insurance agency like Angel Family Insurance can shop around your policy among all the carriers they recommend to make sure you are getting the best deal on your policy.

What does business liability insurance cover?

When your business is sued, liability insurance covers the cost of legal fees, court-ordered judgments, and settlements up to your policy limits. The per-occurrence limit is the maximum amount your insurer will pay for a single incident, and the is the most it will pay during the policy period.

A general liability policy covers the most common liability risks, but business owners should consider other coverage as well.

Here's a breakdown of the most frequently purchased liability insurance policies:

protects against common third-party risks, such as customer lawsuits over bodily injury or property damage. It also protects against lawsuits over product defects and advertising injuries, including copyright infringement.

Professional liability insurance is also called or malpractice insurance, depending on the industry. It covers your legal costs if a client sues over a professional mistake or oversight, such as a missed deadline.

Employer's liability insurance is included in almost all workers' compensation insurance policies. It provides financial protection against lawsuits brought by employees claiming your negligence caused an injury.

Commercial auto insurance helps pay for liability claims if your business vehicle gets into an accident and someone sues over an injury or property damage. All car insurance policies need to meet your state's minimum requirements for auto liability limits.

Sole proprietors who own a vehicle used for work should consider commercial auto liability insurance, or hired and non-owned auto insurance (HNOA), in additional to any personal liability policies in case they are involved in a car accident while driving their personal car for work.

Cyber insurance helps small businesses recover from and cyberattacks. It also protects network security businesses and IT consultants against lawsuits from clients who might hold them responsible for failing to prevent a breach.

Commercial umbrella insurance can provide additional coverage for liability claims made on general liability, employer’s liability, or a commercial auto insurance policy once policy limits have been reached.

Before you can purchase an umbrella policy, however, an insurer will require you to carry a certain amount of coverage for the underlying policy. Once the minimum coverage has been met, your business will qualify for an umbrella insurance policy.

Commercial insurance provides peace of mind that lets you focus on your business, not your risks.Does business liability insurance protect against property damage?

Business liability insurance provides protection when a business is held responsible for another person's property damages or losses. is another type of insurance that protects your business property against theft, fire, vandalism, and other risks.

Most small business owners qualify for a business owner's policy (BOP), which combines general liability insurance with commercial property insurance at a discount. A BOP can help pay to repair or replace your inventory, equipment, and other business property after damage or loss.

How much does business liability insurance cost?

Business insurance is a broad category that covers many different policies. Factors that affect the cost of insurance premiums include:

  • Policy type
  • Coverage limits and deductibles
  • Business operations
  • Industry risks
  • Location
  • Number of employees

Here are four key takeaways about business liability insurance:

  1. Your landlord, client, or state law might require you to carry business liability insurance.
  2. Even when it's not required, Why do I need business insurance? you might need business insurance to make sure your business can survive a lawsuit, data breach, or other unexpected incident. Commercial insurance provides peace of mind that lets you focus on your business, not your risks.
  3. Different protect against different risks. If you don't know what kind your business needs.

    Business Insurance vs Commercial Insurance

    New business owners searching for ways to protect their companies may be confused by the difference between business insurance vs commercial insurance.

    Some insurers use these terms interchangeable, referring to the same type of insurance provided to any type of company, regardless of industry. Other insurers, especially those that offer auto insurance, tend to differentiate between the two terms, with each one referring to slightly different industries.

    Adding more to a person's confusion is the existence of two forms of polices, one called "commercial property insurance" and the other called "business liability insurance." For an up-and-coming entrepreneur, the confusion can seem overwhelming.

    Business Or Commercial Insurance?

    In many cases, these terms are used interchangeably to refer to the category of insurance that covers a company, regardless of size or industry.

    There are multiple separate policies that companies should consider, depending on the type of operation they are running.

    For example, if your company runs a restaurant that also offers delivery, you need commercial auto insurance, commercial property insurance, and business liability insurance.

    Some insurers offer business/commercial bundles, giving you access to everything you need at once when it comes to business insurance vs commercial insurance.

    Business And Commercial Use Relating To Auto Insurance

    When it comes to auto insurance, there are slight differences in the way business insurance vs commercial insurance use are treated. Depending on the insurer, this may or may not make a difference in the amount of insurance you pay or the type of coverage you receive.

    Some agencies do offer slightly different policy terms and cover slightly different elements depending on how the vehicle is primarily used.

    Business Use

    - Business use basically refers to the use of the vehicle in the operation of your company. For example, sales representatives who meet their clients at their offices, and only carry samples with them, use their cars for business use.

    Business use also extends to driving to various locations as a requirement for the job, something a travelling music teacher or health care provider who offers home visits may do.

    Commercial Use

    - Commercial use refers to any vehicle use for the purposes of transporting a person or goods to a location, or for bring tools and equipment to and from a work site. Delivery drivers, taxi drivers, and repair technicians all use their vehicles for commercial purpose.

    Commercial auto insurance tailored for this use may extend to cover the items or individuals transported in the vehicle at the time of use.

    Commercial Property Insurance

    Commercial property insurance covers all the physical assets you company has, including the building, all your equipment, and any inventory stored there.

    Company owners rely on commercial property insurance to repair or replace items damaged by things like theft, fire, forces of nature, and vandalism. Insurers help cover the cost of replacement while also working with you to find reputable contractors who can help repair physical property.

    Business Liability Insurance

    While commercial property insurance covers the things your company owns, business liability insurance covers your actual business operations. If you are found to be at fault for any incident that causes bodily injury or property damage, business liability insurance pays for costs.

    This type of insurance extends to your neighbors, customers, suppliers, vendors, staff members, and partners.

    The specific type of liability insurance required depends entirely on the type of business you run. It is a good idea to book an appointment with an insurance agent, so you can review your unique needs, with the goal of finding a policy that is a perfect fit.

    Keep in mind that there are several subtypes of business liability insurance, so make sure you schedule a time to meet with your agent.

    At Angel Family Insurance we are committed to helping you find the right insurance coverage at the best price. We are an independent insurance broker with options for you.

    Our experienced, local insurance agents, take the time to assess your individual needs and develop a policy that fits your budget.

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