Palm Desert Professional Liability Insurance

Your specialty is our specialty.

Protect your business against client claims.
If your business provides professional or personal services, you need professional liability insurance (PLI) to cover you from claims by clients that your service or advice harmed them rather than helped them. Also called Errors and Omissions insurance (commonly referred to as E&O) or professional indemnity insurance (PII), this liability insurance covers what a general liability insurance policy does not.

Take a free quote with you!

Don’t leave empty handed. We can find you the right price with the perfect coverage to help inform you while you shop.

What does professional liability insurance cover?
The policy covers you for three types of risks:

  • Negligence if a client claims you made mistakes or offered bad advice.
  • Defense costs when your company is sued, but not the cost of criminal prosecution.
  • Services within an agreed-upon timeframe, including those already performed as well as those being performed now or in the future.

PLI or E&O comes to the rescue when the damage is other than a bodily injury, property damage, personal injury, or advertising injury claim covered elsewhere. It can help save your career, even if someone you have served in the past suddenly comes on the scene claiming damages.

Who needs professional indemnity insurance?

Professional liability insurance is of interest to everyone from beauticians to physicians, and the coverage suitable for a certain class of insurance reflects the risks in that profession. Depending on the profession, the insurance might be referred to by a particular name. For example, doctors, dentists, and other medical professions call it “malpractice insurance,” while attorneys, insurance agents, accountants, financial advisors, consultants, and brokers refer to it as “errors and omissions”.

While the big dollar medical malpractice settlements have made the public aware of professional liability insurance policies, many professionals seek protection from personal liability from acts on the job. Those who often buy it include:

  • Accountants and financial services professionals
  • Appraisers
  • Architects and engineers
  • Business and management consultants
  • Business coaches and trainers
  • Directors and offices of nonprofit operations
  • Doctors, nurses, and others in the medical profession
  • Family and mental health counseling
  • Hairdressers and other salon workers
  • IT consultants
  • Landscape architects
  • Personal trainers
  • Plumbers, electricians, and other tradesmen
  • Photographers
  • Quality control specialists
  • Real estate professionals and property managers
  • Travel agents

No matter what business you are in, you should consider an E&O policy if you provide services or give advice to people. In many circumstances, your clients will expect or even require you to have this coverage. Having it protects both parties in the transaction, and the cost is well worth the benefits in case of a claim.

How to get a quote for professional liability insurance.
Because protecting yourself and your business requires a network of insurance policies, your Palm Desert Insurance specialist will make sure that there are no holes in your coverage. He will find you the most affordable professional indemnity insurance on the market and might even suggest that you look at umbrella liability coverage. As your trusted advisor, he will even be on hand to remind you of when your coverage must be renewed, as many policies lapse the day they expire without the grace period.

Call us today at (760) 341-2345 for a coverage and rate comparison on a professional liability insurance policy that’s right for you.

We are proud to provide insurance services throughout California in Palm Desert, Palm Springs, La Quinta, IndioIndian Wells, Cathedral City and the Coachella Valley. We also serve cities in Arizona such as Phoenix, Scottsdale, Surprise, Glendale and Mesa.

Have a question?

We’re here to help!

Sometimes it’s nice to just talk to someone. Call us, email us, or visit the office, our team has the answers you’re looking for.


73241 Hwy 111, Ste 1-B
Palm Desert, CA 92260