Professional Liability Insurance

For Individuals and Families in  TX, CA, OK, AR, TN and AZ
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Protect Your Work, Your Reputation, and Your Future

Even the most skilled professionals can face claims of errors, omissions, or negligence. Professional Liability Insurance—also known as Errors & Omissions (E&O) insurance—protects service-based businesses from the financial fallout of those claims. At Affluence Insurance Services, we help you focus on your clients, not your court dates.

What's Covered

Professional Liability Insurance typically includes:

  • Errors & Omissions Coverage

    Protects against claims that your service caused financial harm due to a mistake, missed deadline, or oversight.

  • Defense Costs

    Covers legal expenses, even if a claim is groundless or you’re not at fault.

  • Settlements & Judgments

    Helps cover any damages you’re required to pay as part of a claim.

  • Industry-Specific Coverage

    Tailored protections for consultants, healthcare providers, architects, real estate agents, and more.

Insure with Affluence

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Critical for Service-Based Industries

If your advice, design, or strategy impacts others’ finances or outcomes, you need this coverage.

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Contracts Often Require It

Many clients and licensing boards require professional liability policies before signing off.

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Safeguards Your Brand

Even unsubstantiated claims can hurt your reputation—this insurance allows you to respond confidently and proactively.

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Custom Coverage

We build policies that reflect the risks of your profession and the nuances of your work.

Frequently Asked Questions

  • How is this different from general liability insurance?

    General liability covers physical damages and bodily injuries. Professional liability covers financial harm caused by your advice or services.

  • Do I need this if I have a low-risk profession?

    If you provide guidance, strategies, or technical services, you could still face claims. We’ll help you evaluate your exposure.

  • Can it cover past services?

    Some policies offer “prior acts” coverage—be sure to ask us about retroactive dates and continuous coverage needs.

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Get a Quote

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Your Work Deserves Protection. Your Reputation Does Too.

Let Affluence Insurance Services help you protect your professional path with smart, scalable E&O coverage designed for your field.