Professional Liability Insurance in Florida

Protect Your Reputation & Your Business

At FLORIDA WE INSURE AGENCY, we understand that even the most experienced professionals can face lawsuits for errors, omissions, or unfulfilled expectations. That’s why we offer tailored Errors & Omissions (E&O) or Professional Liability Insurance across Florida — helping consultants, contractors, advisors, and licensed professionals stay protected from costly legal claims.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

Black location pin icon with a circular outline.

What Professional Liability Insurance Covers

E&O coverage varies by profession, but it typically protects against claims such as:

Couple discussing documents with a professional at a table; office setting.

Negligence or Professional Errors

Mistakes, oversights, or poor advice that leads to client financial loss

Missed Deadlines / Incomplete Work

Failure to deliver services as promised in contracts or timelines

Breach of Contract 

Disputes over unmet obligations, scope of work, or failed deliverables

Incorrect Advice / Misrepresentation

Misleading information that negatively impacts a client

Legal Defense Costs

Attorney fees, court costs, and settlements — even if you’re not at fault

Reputation Protection

Claims made against your business name or services that harm your brand

Who Needs E&O Insurance in Florida?

E&O is essential for professionals in service‑based, consulting, and technical industries — especially those who provide guidance, advice, design, or intellectual services.



 Common professions we serve include:

A black checkmark inside a white circle.

Consultants, business coaches, and financial advisors

Black check mark inside a white circle.

Real estate brokers, agents, and property managers

Black checkmark inside a white circle.

Engineers, architects, and designers

Black checkmark in white circle.

Marketing agencies, web developers, and tech freelancers

Black check mark inside a white circle.

Contractors and specialized trades (e.g. electricians, HVAC, etc.) where performance or quality claims can arise

If you provide expertise or services — and a mistake could cost your client financially — you need E&O.

Why Professional Liability (E&O) Insurance Matters in Florida

Unlike general liability insurance, which covers physical damage and injuries, professional liability protects against financial losses caused by mistakes or advice. If a client claims you gave bad advice, missed a deadline, breached contract, or made a costly error — E&O covers legal defense, settlements, and damages.


E&O coverage is vital for:

  • Avoiding out-of-pocket legal costs from client lawsuits
  • Meeting client contract requirements or licensing mandates
  • Preserving your reputation and business operations if things go wrong

Why Choose FLORIDA WE INSURE AGENCY for Your Professional Liability Coverage

Black checkmark on white background.

30+ Florida Carriers Compared

We shop a wide range of Florida carriers to find the best policy for your profession and risk profile.

Black check mark on a white background, indicating a positive selection.

Tailored to Your Industry

E&O policies are not one-size-fits-all — we customize coverage to your contracts, client base, and scope of services.

Black checkmark.

Annual Policy Review

We revisit your policy each year to ensure your limits and scope grow with your business.

A black checkmark.

Free Legal Support for Claims

If a client files a claim or threatens legal action, our in‑house legal team helps defend you — at no cost.

Black checkmark symbol.

Real Florida Agents, Real Support

We know Florida’s industries, licensing rules, and liability exposures — and we’re here to help you manage them.

Young person with blonde hair wearing glasses, smiling while using a laptop outdoors.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

Black location pin icon with a circular outline.

E&O Insurance FAQs

  • Is E&O insurance required by law in Florida?

    It’s not required by law, but many industries — such as real estate, finance, and consulting — require it by contract, license, or client expectation.

  • How is E&O different from general liability?

    General liability covers bodily injury and property damage. E&O covers financial loss caused by mistakes in your professional services or advice.

  • What does an E&O policy cost in Florida?

    Premiums vary by profession, risk level, revenue, and claims history — but we’ll compare 30+ carriers to find your best rate.

  • Does E&O cover prior work?

    Yes — many policies offer "retroactive" coverage for work done before the policy began (as long as no claims had been filed). Be sure to ask about your retro date.

Two women in business attire writing on a whiteboard in an office.
Service areas

Areas We Serve — E&O Insurance Throughout Florida

We help professionals across the state get E&O protection they can trust:

Black location pin with a circle around it.

Professional Liability in St. Augustine

Black location pin with white dot in the center, and a circle around the pin.

Professional Liability in Jacksonville

Black location pin icon with a circular outline.

Professional Liability in Tampa

Black location pin icon.

Professional Liability in Sarasota

Black location pin icon with a circular outline.

E&O Coverage Across Florida

Black telephone receiver with sound waves.

Get Protected From Professional RisksToday

Whether you’re an established consultant or a growing small business, we’ll help you avoid the unexpected costs of client lawsuits or disputes with the right E&O insurance coverage.