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Recommended insurance policies for professional service businesses
From a public speaker accused of slander to a career coach sued for negligence, a lawsuit can devastate a small business. Gain protection against legal expenses, medical bills, and costly repairs with insurance for professional services.
Business owner’s policy
A BOP is a type of professional services insurance that bundles general liability coverage and commercial property insurance at a lower rate than if they were purchased separately.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
General liability insurance
This policy covers basic business risks, such as client property damage and injuries. Bundle it with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Customer injuries
- Customer property damage
- Libel and slander lawsuits
Professional liability insurance
This policy is also called errors and omissions insurance (E&O). It covers legal expenses if a public speaker or other professional is sued for unsatisfactory work or a mistake.
BEST FOR
- Professional mistakes
- Accusations of negligence
- Failure to deliver promised services
Workers’ compensation insurance
Most states require workers' comp for professional service businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance covers financial losses when a professional services vehicle is involved in an accident. It's required for vehicles registered to a business.
BEST FOR
- Property damage caused by your vehicle
- Medical payments from auto accidents
- Theft of a commercial vehicle
Cyber insurance
This policy helps businesses recover from cyberattacks and data breaches. It's strongly recommended for medical billing companies and other businesses that handle sensitive information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Looking for different coverage? See more policies.
How much does insurance cost for professional service businesses?
Several factors will have an impact on insurance costs, including:
- Professional services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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Insureon videos
In this video, we provide a side-by-side comparison of commercial auto and personal auto insurance. No matter how you use a vehicle for your business, know that there’s coverage available.
Home-based businesses
Whether you’re running a business from home or telecommuting, working from home has risks that might not be covered by your homeowner’s or renter’s insurance. There are several policy options to...
Professional liability / E&O insurance
Professional liability and errors and omissions insurance both protect businesses from expensive lawsuits caused by unsatisfactory work. The language used may differ by industry.