Professional liability insurance in California
If a client says your service or advice caused them harm, professional liability pays for your defense and any settlement. In California it's also a licensing requirement for home care organizations. We place it for healthcare agencies and professional firms statewide.
- Home care organization license
- $1M / $3M
- General and professional liability per occurrence / aggregate.
- Estimator limits
- $1M / $3M
- Instant pricing with a $2,500 deductible.
- Policy trigger
- Claims-made
- Keep your retroactive date when you renew or switch carriers.
Who needs it in California
- Home care organizations and home health agencies (required for HCO licensing)
- Medical staffing agencies
- Consultants, IT firms and marketing agencies
- Accountants, bookkeepers and tax preparers
- Engineers, architects and real estate professionals
What it covers
- Negligence, errors and omissions in your professional services
- Claims that your advice caused a client financial loss
- Failure to deliver services as promised
- Defense costs, even when a claim has no merit
Claims-made coverage, explained
Most professional liability policies are claims-made: the claim must be made while a policy is active, for work done after the retroactive date. If you switch carriers, keep the same retroactive date. When you retire or close a business, ask about an extended reporting period (tail coverage).
Frequently asked questions
Is professional liability required in California?
It's required for some licenses, including home care organizations (general and professional liability of at least $1M per occurrence / $3M aggregate). Many client contracts also require it.
Is E&O the same as professional liability?
Yes. Errors and omissions (E&O) is another name for professional liability. In healthcare it's often called malpractice insurance.
How much does it cost?
It depends on your profession, revenue, limits and claims history. Our estimator prices $1M/$3M coverage instantly for many professions.
Sources: California Health and Safety Code section 1796.37.
See your price in two minutes
Instant workers' comp and liability estimates, with a licensed agent to finish the job.