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Professional Liability Insurance
Comprehensive Errors & Omissions coverage designed for Ohio and Ohio professionals. Protect your small business expertise, safeguard your practice, and focus on what you do best in Columbus, Ohio, and across canada (except the Province of Quebec).
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Professional Protection
What Is Professional Liability Insurance?
Also known as Errors & Omissions (E&O) Insurance, this coverage protects your Ohio small business when clients allege financial loss due to your professional services, advice, or recommendations.
Comprehensive Protection
Covers legal defense costs, settlements, and judgments when clients claim your professional services caused them financial harm.
Legal Defense
Pays for attorney fees, court costs, and expert witnesses—even if allegations are groundless or frivolous.
Service Professionals
Who Needs Professional Liability Insurance?
If you provide expertise, advice, or professional services in Ohio, you need E&O protection to safeguard your small business and reputation in the Ohio and beyond.
Consultants & Coaches
Technology & SaaS Developers
Accountants & Bookkeepers
Architects & Engineers
Lawyers & Paralegals
Real Estate Brokers
Healthcare Practitioners
Creative Agencies
Education Providers
Financial Advisors
Marketing Firms
Any Professional Service
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Key Advantages
Key Benefits
Professional liability insurance provides essential protection for your business and peace of mind for your future.
Professional Negligence
Protection against allegations of errors, omissions or professional negligence.
Legal Defence Costs
Coverage for legal expenses, court costs and lawyer fees when claims arise.
Settlements & Judgements
Payment of settlements or court-awarded damages, up to the policy limit.
Retroactive / Prior Acts
Coverage for work performed before the policy inception date (where eligible).
Coverage Comparison
Professional Liability vs. General Liability
Understanding the difference helps ensure you have the right coverage for your specific risks.
| Professional Liability (E&O) | Commercial General Liability (CGL) | |
|---|---|---|
| Type of Loss | Financial / Economic loss Intangible damages, lost profits, business interruption |
Bodily injury & property damage Physical harm, tangible property damage |
| Typical Claim | Client alleges bad advice, missed deadline, or design error "Your recommendation cost me $50,000" |
Slip-and-fall, property damage, advertising injury "Someone fell at your office" |
| Who Needs It | Consultants, tech firms, service providers Anyone providing advice or professional services |
Most bricks-and-mortar businesses Retail, restaurants, manufacturers, contractors |
| Policy Trigger | Error, omission, negligence in professional services Claims-made basis |
Accident causing physical harm or property damage Occurrence basis |
| Defence Costs | Often inside the limit Reduces available coverage for settlements |
Usually outside the limit Separate from liability coverage |
| Coverage Limits | $1M - $10M typical Based on industry and revenue |
$1M - $5M typical Standard limits often sufficient |
| Retroactive Coverage | Available with retro date Protects work done before policy start |
Not applicable Covers incidents during policy period |
| Common Exclusions | Intentional acts, fraud, bodily injury Cyber liability (separate policy) |
Professional services, employment practices Auto liability (separate policy) |
| Cost Factors | Industry, revenue, claims history Higher risk = higher premiums |
Business type, location, size Standard rates for most businesses |
| Claims Process | Complex, often requires legal expertise May involve expert witnesses |
Straightforward, property damage assessment Medical evaluation for injuries |
Get Answers
Frequently Asked Questions
Common questions about professional liability insurance coverage.
Also known as errors & omissions insurance, professional liability protects your business when clients allege financial loss caused by your professional advice or services.
Any business or individual providing professional services or advice – consultants, technology firms, accountants, engineers, architects, health professionals and more.
Pricing depends on industry, annual revenue, claims history and required limits. Our brokers shop multiple insurers to secure the best value for your practice.
Protect Your Professional Practice Today
Join thousands of Canadian professionals who trust Boardwalk for their E&O insurance needs. across canada (except the Province of Quebec)
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Columbus businesses
Quick Quote Turnaround
Get insurance quotes fast with same-day response and coverage when your business needs it most
Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
