Professional Liability Insurance in Georgia
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Professional liability insurance in Georgia

Professional liability insurance, also called errors and omissions insurance (E&O), protects small business owners against legal costs related to unsatisfactory work. Though state law doesn't require this coverage, it's sometimes required to sign a contract or get a license in your field.

What is covered under professional liability insurance in Georgia?

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 client claims for many Georgia businesses:

  • Accusations of negligence, such as an architect who creates an unsafe building design.
  • Work mistakes and oversights, such as an accountant who makes a mathematical error or fails to include the right data in their work resulting in a financial loss to the client.
  • Inaccurate advice, such as an attorney 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.

While Georgia law does not require professional liability insurance, you may need this coverage to sign a contract or to get a license in your field.

What are Georgia's professional liability insurance requirements?

While Georgia state law does not require professional liability insurance, it's strongly recommended in many professions. Additionally, you may need this coverage to sign a contract, get a license in your field, or work in certain cities or municipalities, like metro Atlanta or Macon.

Healthcare professionals

Professional liability is referred to as medical malpractice insurance when it applies to doctors and other healthcare professionals, such as therapists. Georgia law does not require medical professionals to carry malpractice insurance. However, it's likely that the hospital or other healthcare facility where you work will require you to carry this coverage.

The most common liability limits for physicians in Georgia are $1 million per occurrence and $3 million aggregate, though the specifics depend on your type of work and the requirements of your workplace.

Real estate agents

In the real estate industry, professional liability insurance is referred to as errors and omissions insurance. While Georgia does not require this coverage for real estate agents and brokers, it's recommended for any real estate professional due to the possibility of a costly lawsuit.


For lawyers, professional liability is also known as legal malpractice insurance. Georgia doesn’t require attorneys to carry legal malpractice insurance. They are also not required to disclose whether or not they carry coverage.

Get professional liability insurance for your Georgia business

Who should carry professional liability insurance in Georgia?

Any business that provides a professional service or expert advice should carry professional liability coverage, as a client could sue if your service or advice causes accidental harm. Even an unwarranted lawsuit can be expensive between attorney’s fees, court costs, or a settlement.

Industries often at risk for professional liability claims include:

Technology professionals

IT consultants and other tech professionals are susceptible to lawsuits related to system downtime, data breaches, missed deadlines, and errors. They can bundle E&O insurance and cyber insurance into one policy—tech E&O—to protect against all of these risks.

Building design businesses

Those who work in building design, such as architects and engineers, are at risk of a lawsuit if a client accuses them of making a costly mistake. For example, a bridge could develop cracks over time, or a project could be delayed for months due to unforeseen circumstances.

Contractors and construction businesses

Those who work in construction and contracting, such as carpenters and electricians, could face a client lawsuit over construction delays. They could also face accusations of negligence if the customer is dissatisfied with their work or must make expensive changes or repairs after a job is finished.

Insurance professionals

Insurance professionals, including agents and insurance brokers, often deal with large amounts of financial data and must use their best judgment in advising their clients. If a client doesn’t have enough coverage, or the right type of coverage, they might blame their agent or the insurance agency for failing to make sure they were protected.

Even if you’ve done nothing wrong, a disgruntled customer might file a lawsuit if your advice leads to a financial loss.

How much does professional liability insurance cost in Georgia?

View video transcript.

Get professional liability insurance to protect yourself from claims that you didn't deliver on a deadline, or made a costly mistake.

Some clients require you to have this policy. It can protect you from expensive lawsuits for only about 60 dollars per month.

Don't put your business at risk. Apply for your policy today!

Alert. Alert.

The average cost of professional liability insurance nationwide is $61 per month. In Georgia, the average premium is $59 per month.

The cost of professional liability coverage depends on several factors, such as:

  • Business operations, industry, and similar risk factors
  • Coverage limits and deductible
  • Your business size and location
  • Day-to-day operations
  • Your claims history

Verified professional liability coverage reviews

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How does professional liability insurance work for Georgia small businesses?

Professional liability insurance covers your legal defense costs if you’re sued over a mistake in your professional work.

Even if you’ve done nothing wrong, a legal battle can be expensive. In addition to your attorney’s hourly rate, you’ll likely be charged for administrative costs such as copying, filing, and travel expenses. You may also have to pay for expert witnesses to testify on your behalf, a court-ordered legal judgment, or a settlement to avoid trial.

Professional liability insurance covers all the above, up to the coverage limits of your policy. The policy limits you choose should take into account how expensive it can be to fight a professional liability lawsuit. You also need to determine the amount of coverage required to obtain a contract or work in a certain field.

This policy can be very affordable for small businesses. Contact an insurance agent if you need help choosing the right coverage limits or other options.

Are there any exclusions in professional liability insurance?

A professional liability policy covers a wide range of lawsuits, but it won't cover intentional harm you cause to others. Most insurance companies exclude:

  • The illegal violation of any law, regulation, or statute
  • Any services you provide under the name of another entity, such as a subsidiary business or organization not listed on your policy
  • Defamation, such as libel and slander
  • Discrimination

Does general liability insurance include professional liability coverage?

General liability insurance doesn’t include professional liability coverage – it's a different kind of business liability insurance. Commercial general liability covers common business risks and liability claims such as customer bodily injuries, customer property damage, and advertising injuries like copyright infringement.

If a customer falls and suffers an injury at your workplace, the resulting legal costs and medical bills would be covered by your general liability policy. If someone sues you over unsatisfactory work, the costs would be covered by your professional liability coverage.

Read more about general liability vs. professional liability business insurance policies.

What other types of insurance should GA businesses consider?

General liability and professional liability are often the first two policies bought by small business owners. However, they aren’t the only types of business insurance coverage you need.

Workers’ compensation insurance is required for all Georgia businesses with three or more employees. Workers’ comp covers medical expenses and disability benefits for work-related injuries and illnesses.

Commercial property insurance covers your physical location and business property. It’s often required to sign leases.

A business owner’s policy (BOP) combines general liability coverage and commercial property insurance. It’s usually less expensive than buying each policy separately.

Commercial auto insurance is required for all commercial vehicles in Georgia. This insurance policy covers legal costs if your vehicle is involved in an accident.

Cyber insurance coverage pays for costs related to data breaches and cyberattacks, including the cost of notifying affected customers.

Employment practices liability insurance (EPLI) protects against legal expenses related to claims of harassment, discrimination, wrongful termination, and other violations of employees’ rights.

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Professional liability vs. errors and omissions insurance
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How do I get professional liability insurance for my Georgia business?

Complete Insureon’s easy online application today to get business insurance quotes from top-rated U.S. providers. Our licensed insurance agents can help answer any questions and provide advice. Once you find the right Georgia business insurance, you can begin coverage in less than 24 hours.

Updated: July 26, 2023

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