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Professional Liability Insurance in Sherman, TX

Professional service providers must earn significant trust from their clients. However, mistakes can happen, potentially causing harm. If someone is harmed and accuses your business of wrongdoing, professional liability insurance can help cover the associated costs.

Understanding Professional Liability Coveragemalpractice stethoscope doctor definition dictionary Professional liability

Also known as malpractice insurance, professional liability insurance can help financially protect professionals when their mistakes cause harm to others. The affected person might sue the business or demand compensation.

This coverage can assist in covering settlements, legal costs and other expenses for both the business and the affected individual. It’s essential because it can help businesses recover from unfortunate errors.

What Is Not Covered

However, policies have limitations on what incidents they cover. The following types of losses are typically not covered:

  • Property damage and bodily injuries—If someone visits your business, slips, and falls, sustaining an injury, or if you damage someone’s property during a house call, commercial general liability insurance might apply. This coverage differs from professional liability insurance but is equally necessary.
  • Employee and employment claims—Professional liability policies do not cover internal matters. For instance, if an employee is injured on the job, workers’ compensation will likely apply. If someone accuses you of professional misconduct towards interviewees, employees or those you let go, employment practices liability coverage might be needed.
  • Business damage or losses—Most liability policies do not cover losses to the business itself. Physical damage requires commercial property insurance. Losses due to work interruptions (from covered events) might be covered under business interruption or income replacement insurance.
  • Criminal activity—Professional liability policies often exclude certain mistakes or misconduct entirely. For example, losses resulting from criminal actions are not covered. If your business is sued under criminal charges, your policy likely won’t help.

Learn More

For professional liability insurance near you, contact AeroMex Insurance.

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