https://casurance.com/assets/ProfessionalLiabilityCoveragePage-NvKcNACt.js

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6d","A tail can provide additional time to report claims after termination, but it generally does not cover new work performed after expiration."],["Defense Inside or Outside Limits","Defense costs may reduce the liability limit or be provided in addition to it. This can materially change available protection."],["Deductible or Retention","The policy may apply the insured's amount to damages, defense expenses or both. Some structures offer first-dollar defense."],["Consent to Settle","Settlement-control provisions, hammer clauses and choice-of-counsel language should be reviewed rather than assumed."]],D=["California","Nevada","Arizona","Texas","New York","Florida","New Mexico"],h=[{question:"What is professional liability insurance?",answer:"Professional liability insurance, often called errors and omissions or E&O insurance, can respond to covered claims alleging that professional services, advice, mistakes, omissions or failures caused a client financial loss. Medical professional liability is commonly called malpractice insurance."},{question:"What is the difference between professional liability and general liability?",answer:"Professional liability generally addresses covered financial loss arising from professional services. General liability commonly addresses third-party bodily injury, property damage and certain personal or advertising injury. Many businesses need both because the policies address different exposures."},{question:"Is E&O insurance claims-made?",answer:"Most professional liability policies are written on a claims-made or claims-made-and-reported basis, although some classes or coverages may use other triggers. The retroactive date, reporting requirements, continuity, prior acts and extended reporting provisions should be reviewed carefully."},{question:"Does professional liability cover breach of contract?",answer:"Coverage varies. Some policies address allegations arising from professional services even when pleaded alongside breach-of-contract claims, while contractual liability, guarantees, refunds, fees or assumed obligations may be limited or excluded. Actual wording controls."},{question:"How much professional liability insurance do I need?",answer:"Consider contract requirements, project values, client concentration, severity of a potential error, defense costs, the policy's defense structure and the business's balance sheet. Common limits do not automatically fit every profession."},{question:"What is prior-acts coverage?",answer:"Prior-acts coverage may allow a current claims-made policy to respond to eligible acts occurring before its effective date but on or after the stated retroactive date. It typically requires continuous prior coverage and no known circumstance that should already have been reported."},{question:"Does a medical transport company need professional liability?",answer:"Medical transport businesses may need professional liability for patient-care, triage, transport and related service allegations in addition to commercial auto, general liability, workers compensation and other coverages. Loading and unloading, clinical staff, vehicle operations and contract requirements should be coordinated."},{question:"How much does professional liability insurance cost?",answer:"Pricing depends on profession, revenue, payroll, staff credentials, services, client concentration, contracts, locations, limits, deductible, retroactive date, loss history and coverage enhancements. A complete, well-organized submission is more reliable than a generic price estimate."},{question:"How does Casurance use AI in professional liability placement?",answer:"AI-assisted tools help organize applications and supporting documents, classify professional services and identify missing information. Licensed insurance professionals validate the submission, communicate with insurance markets and help applicants compare available terms and pricing."}];function l({image:n,alt:i,eyebrow:r,title:s,children:a,reverse:o=!1}){return e.jsx("section",{className:"py-16 lg:py-20",children:e.jsxs("div",{className:`max-w-7xl mx-auto px-5 grid lg:grid-cols-2 gap-12 items-center ${o?"lg:[&>*:first-child]:order-2":""}`,children:[e.jsx("img",{src:`${c}/${n}`,alt:i,loading:"lazy",className:"w-full rounded-3xl border shadow-xl aspect-[16/9] object-cover"}),e.jsxs("div",{children:[e.jsx("p",{className:"text-sm font-bold uppercase tracking-widest text-violet-700",children:r}),e.jsx("h2",{className:"mt-2 text-3xl md:text-5xl font-black leading-tight",children:s}),e.jsx("div",{className:"mt-5 space-y-4 text-slate-600 leading-7",children:a})]})]})})}function J(){const[n]=y(),i=g(n)??g("/coverage/professional-liability"),r=b(n);return e.jsxs("div",{className:"min-h-screen bg-white text-slate-950",children:[e.jsx(N,{title:i.title,de

6scription:i.description,keywords:"professional liability insurance, errors and omissions insurance, E&O insurance California, professional liability Nevada, E&O Arizona, professional liability Texas, E&O New York, professional liability Florida, E&O New Mexico, contractors E&O, technology E&O, medical malpractice insurance",canonical:i.canonical,noindex:i.noindex,ogImage:`${c}/professional-advisory.svg`,ogPageType:"coverage",ogEyebrow:"Professional Liability & E&O",breadcrumbs:i.breadcrumbs,faqs:h,services:f.map(([s,a])=>({name:`${s} Professional Liability`,description:a,url:n})),speakable:!0,geoRegion:"US",extraSchemas:[{"@context":"https://schema.org","@type":"InsuranceAgency",name:"Casurance Agency Insurance Services",url:`https://casurance.com${n}`,telephone:"+1-888-254-0089",areaServed:[{"@type":"Country",name:"United States"},...D.map(s=>({"@type":"State",name:s}))],knowsAbout:["Professional liability insurance","Errors and omissions insurance","Contractors E&O","Technology E&O","Medical professional liability","Medical transport insurance"]}]}),e.jsx(k,{}),e.jsx("div",{className:"border-b bg-slate-50",children:e.jsx("div",{className:"max-w-7xl mx-auto px-5 py-3",children:e.jsx(E,{items:i.breadcrumbs})})}),e.jsxs("main",{id:"main-content",tabIndex:-1,children:[e.jsxs("section",{className:"relative overflow-hidden bg-slate-950 text-white",children:[e.jsx("img",{src:`${c}/professional-advisory.svg`,alt:"Professional liability specialist meeting with a business advisory team",className:"absolute inset-0 h-full w-full object-cover opacity-50"}),e.jsx("div",{className:"absolute inset-0 bg-gradient-to-r from-slate-950 via-slate-950/95 to-slate-950/30"}),e.jsxs("div",{className:"relative max-w-7xl mx-auto px-5 py-12 lg:py-16 grid lg:grid-cols-[1.05fr_.95fr] gap-10 lg:gap-12 items-center",children:[e.jsxs("div",{children:[e.jsxs("span",{className:"inline-flex items-center gap-2 rounded-full border border-violet-300/30 bg-violet-500/15 px-4 py-2 text-sm font-bold text-violet-100",children:[e.jsx(P,{className:"h-4 w-4"})," Errors & Omissions · Malpractice · Specialty E&O"]}),e.jsx("h1",{className:"mt-6 text-4xl md:text-6xl font-black leading-[1.05]",children:i.h1}),e.jsx("p",{className:"mt-6 max-w-3xl text-lg leading-8 text-slate-200",children:"When clients pay for expertise, advice, design, judgment or a service outcome, an alleged mistake can create financial loss and expensive litigation. 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Medical transport can add patient handling, loading and unloading, dispatch, staffing, credentialing and emergency-response exposure."}),e.jsx("p",{children:"The dedicated application distinguishes ambulette and medical vans, non-emergency medical transportation, BLS/ALS ambulance, emergency transportation and air ambulance. 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Licensed insurance professionals validate the information, approach available markets and help explain coverage and pricing tradeoffs."}),e.jsx("p",{className:"mt-4 text-sm text-blue-200",children:"AI does not provide binding authority, replace carrier underwriting, guarantee placement or guarantee the lowest premium."})]}),e.jsxs("div",{className:"rounded-3xl border border-white/10 bg-white/5 p-7",children:[e.jsx(I,{className:"h-10 w-10 text-emerald-300"}),e.jsx("h3",{className:"mt-4 text-2xl font-black",children:"What strengthens an E&O submission"}),e.jsx("div",{className:"mt-6 grid sm:grid-cols-2 gap-3",children:["Current policy and retroactive date","Five years of loss runs","Application and service description","Sample contracts or engagement letters","Staff licenses and qualifications","Largest projects and client concentration","Risk-management procedures","Desired limits and effective date"].map(s=>e.jsxs("div",{className:"flex gap-2 rounded-xl border border-white/10 p-4 text-sm",children:[e.jsx(p,{className:"h-5 w-5 text-emerald-300 shrink-0"}),s]},s))})]})]})}),e.jsx("section",{className:"py-20 bg-slate-50",children:e.jsxs("div",{className:"max-w-4xl mx-auto px-5",children:[e.jsx("h2",{className:"text-center text-3xl md:text-4xl font-black",children:"Professional liability insurance questions"}),e.jsx("div",{className:"mt-9 space-y-4",children:h.map(s=>e.jsxs("details",{className:"rounded-2xl border bg-white p-6",children:[e.jsx("summary",{className:"cursor-pointer font-bold text-lg",children:s.question}),e.jsx("p",{className:"mt-4 text-slate-600 leading-7",children:s.answer})]},s.question))})]})}),e.jsx("section",{className:"py-16 bg-violet-800 text-white",children:e.jsxs("div",{className:"max-w-5xl mx-auto px-5 text-center",children:[e.jsx(O,{className:"h-12 w-12 mx-auto text-violet-200"}),e.jsx("h2",{className:"mt-5 text-3xl md:text-5xl font-black",children:"Put your professional risk in front of the right specialist"}),e.jsx("p",{className:"mt-4 max-w-3xl mx-auto text-violet-100",children:"Start with the required contact information, then complete only what you know on the dedicated Step 2 application."}),e.jsxs("a",{href:"/quote/professional-liability",className:"mt-7 inline-flex items-center gap-2 rounded-lg bg-white px-7 py-3 font-bold text-violet-900",children:["Start My E&O Quote ",e.jsx(m,{className:"h-5 w-5"})]})]})})]}),e.jsx(S,{})]})}

6export{J as default};