Professional Liability Insurance in New Jersey That Protects Your Expertise and Your Business

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When Your Advice or Services Are on the Line, You Need Protection That Goes Beyond General Liability

Professional Liability Insurance—also called Errors & Omissions (E&O)—protects you if a client claims your service, advice, or professional work caused them a financial loss. Unlike general liability (which covers bodily injury or property damage), E&O covers economic damages, missed deadlines, mistakes, oversights, or alleged negligence. If you’re a consultant, accountant, architect, engineer, marketing firm, IT provider, real estate agent, or any professional offering expertise, one unhappy client can turn into a costly legal battle. E&O ensures you’re protected from those claims, even if they’re unfounded.

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 Trusted by New Jersey’s Consultants, Firms & Service Professionals

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Very helpful, friendly, experienced and efficient staff who can help you get multiple kinds of insurance from auto to business. They know the local market and it was a pleasure to work with Dawn.


- Rita L.

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Excellent Experience! Attentive Honest and very helpful


- Debra R.

What We Help With

Coverage for Professional Mistakes & Oversights
If a client claims you delivered incorrect work, gave faulty advice, or caused financial harm, Errors & Omissions coverage steps in to protect your business from financial loss. Unlike general liability, which focuses on bodily injury or property damage, this protection addresses economic claims tied directly to your professional services and expertise.


Legal Defense Costs
Covers attorney fees, court costs, and defense expenses—even if a claim is groundless. These legal protections are often included within broader business insurance structures, helping professional firms defend themselves without absorbing devastating out-of-pocket costs.


Client Contract Requirement Compliance
Many New Jersey contracts—especially those with larger companies, municipalities, or government agencies—require specific Errors & Omissions limits. We help ensure your coverage aligns with contractual obligations while fitting properly within your small business insurance strategy, so you can sign agreements confidently without overpaying.


Claims-Made Policy Support
Most E&O policies are written on a claims-made basis, meaning coverage must be active when the claim is filed—not just when the work was performed. We help professionals maintain continuous coverage and manage retroactive dates so gaps don’t jeopardize your business insurance protection.



Industry-Specific Enhancements
Different professions face different risks. Whether you’re a consultant, technology provider, design-build firm, or one of many contractors operating in New Jersey, endorsements such as prior acts coverage or industry-specific enhancements can be added to ensure your policy reflects how you actually work.

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How We Make Professional Liability Insurance Simple

Professionals across New Jersey rely on our guidance to choose the right E&O limits, meet contract requirements, and avoid gaps in coverage.

01

Learn About Your Profession & Risks

We identify what exposures apply to your work—consultants, architects, contractors, agencies, or specialists.

02

Compare Multiple E&O Carriers

We shop reputable insurers to get you the right blend of cost and protection.

03

Customize Policy Limits & Retroactive Dates

We ensure your E&O aligns with contracts and covers past work as needed.

04

Support for Claims & Certificates

We help review contracts, issue certificates, and guide you through any claims quickly and professionally.

Your Professional Liability Insurance Questions, Answered Clearly

  • Do I need professional liability if I already have general liability?

    Yes. General liability covers physical injury and property damage. E&O covers financial loss from your work—general liability won’t cover that.

  • What’s the difference between E&O and malpractice insurance?

    They refer to the same coverage type. “Malpractice” is common for medical or legal professions; “E&O” is used for consultants, accountants, architects, and similar fields.

  • How much does E&O cost in NJ?

    Costs depend on your profession, revenue, risk level, and claims history. Consultants may pay a few hundred per year; technical and design firms often pay more.

  • Will E&O cover work I did before buying the policy?

    Only if your policy includes a retroactive date. Claims-made policies require continuous coverage.

  • What’s not covered?

    Intentional wrongdoing, fraud, criminal acts, and bodily injury/property damage (covered under general liability) are excluded.

Protect Your Professional Reputation and Your Financial Stability

In today’s service-driven economy, even one unhappy client can result in expensive claims. We help New Jersey professionals secure tailored, affordable E&O coverage so they can focus on delivering great work without the fear of legal or financial fallout.