Professional Liability Insurance in Arizona and Texas for Your Services
Protect Your Advice And Services
If your work includes advice, design, or specialized services, professional liability insurance helps with claims alleging an error or omission. Auto Insurance Specialist equips consultants in Casa Grande, real estate teams in Phoenix, and tech firms in Tucson and Texas with policies that meet contract language and provide defense costs. When a client asks for proof before kickoff, we issue certificates quickly so your project stays on track. For broader operations, pair your E&O with commercial insurance that covers your office and equipment.
What E&O Covers
Policies can include negligence claims, misstatements, and failure to deliver professional services. Defense is often covered even if a claim is groundless. We explain claims-made triggers, retroactive dates, and how to keep prior acts covered when you switch carriers or grow into new markets.
Who We Insure
Consultants, real estate and mortgage professionals, marketing agencies, IT and software firms, engineers and designers, non-medical healthcare services, and trades with design or consulting exposure. We review statements of work and master service agreements to align limits and endorsements with what your clients require.
Tailor Your Policy
Choose limits and deductibles that reflect your projects. Add additional insureds, waiver of subrogation, or primary and noncontributory wording when contracts demand it. If you have employees, link your coverage with workers compensation to streamline audits and renewals.
questions?
Professional Liability Questions
Is E&O the same as general liability?
No, general liability handles bodily injury and property damage; E&O addresses financial loss from your services.
Can I add prior acts coverage?
Often yes; we will request your first continuous date and endorsements to maintain continuity.
What limit do contracts require?
Commonly $1M per claim, but some owners request higher; we will quote options.