Professional services businesses face unique risks when clients claim financial harm from errors, omissions, negligence, or inadequate work. Unlike general liability which covers bodily injury and property damage, professional liability insurance (also called errors and omissions or E&O) specifically protects against claims of financial loss due to your professional services or advice.

With Actsphere’s professional liability solutions, your business gains robust protection against these specialized risks that could otherwise threaten your reputation and financial stability. We compare options from several carriers to find perfect coverage at exceptional prices—all through one trusted insurance company that treats your business like family.

Critical Professional Liability Mistakes That Could Threaten Your Business—And How Actsphere Protects You

Most professional services businesses make dangerous mistakes with their liability coverage that create serious exposure to claims. At Actsphere Insurance Group, we help you avoid these potentially devastating errors.

Relying Solely on General Liability Coverage

General liability specifically excludes claims arising from professional services, creating a dangerous coverage gap. Our comprehensive approach ensures proper professional liability protection tailored to your specific services and industry.

Selecting Inadequate Limits of Liability

Many professionals carry insufficient limits that could be exhausted by a single substantial claim. Our risk analysis helps determine appropriate coverage limits based on your client contracts, service complexity, and potential claim severity.

Misunderstanding Claims-Made Coverage

Professional liability policies cover claims made during the policy period, not when the work was performed, creating potential gaps with policy changes. Our expertise ensures proper retroactive dates, extended reporting periods, and coverage continuity to prevent these dangerous gaps.

Overlooking Contractual Requirements

Client contracts often dictate specific professional liability terms, limits, and endorsements that many professionals overlook. Our contract review process identifies these requirements and ensures your coverage fully complies with client specifications.

What Our Actsphere Family Says

We’re proud to protect families, businesses, and employee wellness teams across the country. Our client stories show our commitment, honesty, and real results.

What Makes Actsphere Professional Liability Insurance Different?

Actsphere Professional Liability Insurance

Access to top-rated insurance carriers for optimal coverage
Industry-specific policy forms and endorsements
Complete contract review and compliance services
Local agents who understand professional service risks
Dedicated team supporting all your insurance needs
Integrated approach with other business coverages

Other Professional Liability Providers

Limited to one carrier's policy forms only
Generic coverage regardless of profession
Minimal contract review assistance
Call centers in other states or countries
Impersonal customer service
Disconnected from other business coverage

Why Professionals Choose Actsphere for Professional Liability Insurance

Since 2015, we’ve helped professionals protect their practices against liability claims across all industries. Learn more about our insurance agency.

Best rates from several top-rated quality insurance carriers
Agents who understand your specific professional exposures
Local experts who know liability laws
Always human, always here when you need us
Claims guidance and monitoring throughout the process

Complete Professional Liability Insurance Solutions From Actsphere

Essential Professional Protection
Your practice needs specialized liability coverage tailored to your specific professional services. As your business insurance partner, Actsphere designs professional liability solutions customized to your unique risks and client requirements.

Core Professional Liability Coverages

Professional Services Coverage - Practice Protection
Legal Defense Coverage - Representation Protection
Claim Settlement Coverage - Financial Protection

Additional Professional Liability Features

Prior Acts Coverage - Historical work protection
Extended Reporting Period - Future claim reporting
Subcontractor Coverage - Extended protection
Cyber Liability Extensions - Data breach protection
Independent Contractor Coverage - Non-employee protection

Industry-Specific Professional Liability Solutions

Technology E&O Coverage - For IT professionals
Healthcare Professional Liability - For medical providers
Financial Professional Coverage - For financial advisors

How Actsphere Professional Liability Insurance Works

1

Professional Liability Consultation

Share your services, client contracts, and concerns. We listen and identify the right approach for your specific needs.

2

Exposure Analysis

We evaluate your professional services, client agreements, risk management practices, and claims history to identify your unique risk profile.

3

Strategic Coverage Development

We create a customized professional liability solution with appropriate coverages, limits, and endorsements, leveraging our best carrier relationships for optimal protection and pricing.

4

Ongoing Professional Risk Management

As your practice evolves, services change, or client requirements emerge, we’re always just a call or text away.

Practice Changes? Your Actsphere Family Is Here

Service Evolution

New services
Client expansion
Contract changes
Revenue growth
Staff additions

Contractual Updates

New requirements
Limit increases
Certificate requests
Client-specific endorsements
Project-specific needs

Claims Situations

Incident reporting
Claim notification
Defense coordination
Settlement negotiation
Coverage analysis

Call Actsphere when your practice evolves — We’ll adjust your protection promptly. That’s what family does.

Switch to Actsphere Professional Liability Insurance – We Handle Everything

We Make It Easy

Review current professional liability policies for gaps
Analyze your specific service exposures and contracts
Compare options from several top-rated carriers for the best protection
Manage seamless carrier transitions
Provide certificates and additional insured endorsements
Support ongoing client requirement compliance

How Fast?

Initial Analysis - Same day in most cases
Customized Quotes - 24–48 hours for most professionals
Policy Binding - As quickly as 24 hours when needed
Certificates - Immediate delivery when required

Our promise is better coverage, competitive prices, and service that feels like family.

Frequently Asked Questions

What's the difference between professional liability and general liability insurance?

General liability covers bodily injury, property damage, and personal injury claims, while professional liability covers financial losses caused by errors, omissions, or negligence in your professional services. Most businesses providing professional services or advice need both coverages since each protects against fundamentally different risks.

Does professional liability insurance cover work performed before the policy was purchased?

Yes, if the policy includes prior acts coverage (sometimes called retroactive coverage) extending back to a specified retroactive date. This critical feature covers claims made during the policy period for work performed after the retroactive date but before the policy inception, making proper retroactive date selection essential for continuous protection.

How much professional liability insurance do I need?

Coverage limits should consider your client contract requirements, revenue size, service complexity, and potential claim severity. Most professionals should carry at least $1 million per claim with a $2 million aggregate, while those with larger clients or higher-risk services often need $2-5 million or more.

Are defense costs included within the limits of liability?

Most professional liability policies include defense costs within the policy limits, meaning legal expenses reduce the amount available for settlements or judgments. Some carriers offer defense outside the limits (DOL) options that provide separate coverage for legal expenses, preserving your full liability limits for actual damages.

What is an extended reporting period (ERP) or "tail coverage"?

An extended reporting period allows you to report claims after your policy ends for incidents that occurred while the policy was active. This critical feature provides protection when retiring, changing careers, selling your practice, or changing insurance carriers, though it typically must be purchased within a limited time after policy termination.

Does professional liability insurance cover intentional acts or fraud?

No, professional liability insurance specifically excludes intentional wrongdoing, fraudulent acts, criminal behavior, and dishonesty. The policy is designed to cover negligent acts, errors, or omissions rather than deliberate misconduct, though it typically defends alleged intentional acts until they are proven in court.

Are subcontractors or independent contractors covered under my professional liability policy?

Standard policies often exclude work performed by subcontractors or independent contractors unless specifically endorsed. If you regularly use subcontractors or independent professionals, you need either a policy endorsement covering their work or contractual requirements that they maintain their own professional liability insurance with appropriate limits.

What information is needed to get a professional liability insurance quote?

Typical information includes detailed service descriptions, revenue breakdown by service type, client contracts, risk management procedures, employee qualifications, claims history, and desired coverage limits. The more complete information you provide, the more accurate your quote will be and the better your coverage will match your specific needs.

Will my professional liability insurance cover cyber-related claims?

Most professional liability policies provide limited or no coverage for data breaches, ransomware, or other cyber incidents unless specifically endorsed. Professionals who handle sensitive client information should consider either cyber liability endorsements to their professional liability policy or separate cyber insurance to address these growing exposures.

Actsphere Serves Professionals in These States

Our team helps service providers secure comprehensive professional liability protection across these great states. See professional liability insurance options by state:

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TEXAS

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PENNSYLVANIA

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MICHIGAN

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OHIO

Each state has unique professional liability laws, licensing requirements, and regulatory environments. Our insurance experts know them all.

Actsphere Insurance Blog

Get practical tips for managing professional liability risks. Check out our insurance blog for risk management strategies, contract guidance, and claim prevention resources.

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Ready to Protect Your Professional Practice?

Important: The right professional liability insurance shields your practice from potentially devastating claims. Let’s secure your professional reputation today.

Visit Our Office

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3129 Kingsley Dr., Suite 1910 Pearland, TX, 77584

When We’re Here

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Weekdays: 8:30 AM – 6:00 PM,
Monday – Thursday,
Friday – 8:30-5:00 PM

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Claims Emergency: 24/7
(Note: You can always contact insurance claims department)

Three Ways to Start

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(832)-956-1033 – Talk to a Licensed Insurance team member now

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Same number for quick questions

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sales@actsphereins.com – Get quotes today

Contact Actsphere Insurance

Call, text, or stop by anytime. Real people, real help, really fast.

“Stewardship is our policy” – Since 2015, Actsphere Insurance Group has been a trusted insurance company, protecting businesses and families with access to several carriers. One company, complete coverage, unbeatable service.

Professional Liablity Insurance