Professional Liability Insurance

Protect Your Fleet — and Your Bottom Line

Even when you do everything right, things can still go wrong. If a client claims your advice, service, or professional judgment caused them harm, professional liability insurance helps cover the legal and financial fallout. At St. Andrews Insurance, we help businesses in Panama City, Santa Rosa Beach, and throughout Florida protect what they’ve worked so hard to build.

Why Professional Liability Insurance Matters

Coverage That Protects the Work You Stand Behind

In service-based businesses, trust is everything. But if a project doesn’t go as expected—or if a client claims your guidance caused a loss—you could face costly lawsuits, even if you did nothing wrong.



Professional liability insurance, also known as errors and omissions (E&O) coverage, helps cover legal fees, settlements, and damage awards. It’s an essential safeguard for Florida professionals who provide advice, create strategies, or deliver specialized services.

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What Professional Liability Insurance Covers

Negligence

Claims that your actions or lack of action caused a client financial harm. Whether you're a consultant in Panama City, FL or a design firm in Santa Rosa, this coverage keeps your professional services protected.

Misrepresentation

Accusations that you provided misleading information or overpromised results. St. Andrews Insurance helps Florida professionals manage risks that arise from even unintentional communication errors.

Inaccurate Advice

Claims that your professional recommendations led to client losses or negative outcomes. From tax advisors to IT consultants, this protection is crucial when your expertise directly influences client decisions.

Breach of Contract

 Allegations that you failed to deliver as agreed in a written or verbal agreement. In high-stakes contracts, this coverage helps reduce the financial burden of legal disputes and resolution costs.

Legal Defense Costs

Covers attorney fees, court expenses, and other legal costs related to covered claims. Even if you're not at fault, these expenses can quickly overwhelm small and midsize businesses without the right professional liability insurance in place.

Questions We Hear Most — With Answers

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  • Is professional liability the same as general liability?

    No. General liability covers physical injuries or property damage. Professional liability insurance covers financial harm resulting from your services, advice, or professional judgment.

  • Does my business really need this if I already have general liability coverage?

    If your business is built on offering professional services or advice, general liability won’t protect you against client claims related to negligence or poor outcomes. That’s where E&O coverage fills the gap.



  • What’s the cost of professional liability insurance in Florida?

    Costs vary based on your profession, business size, risk exposure, and claims history. St. Andrews Insurance will shop top carriers to find a competitive rate that gives you confidence and clarity.




  • Can I add this to my existing business insurance policy?

    Yes, in many cases. We’ll review your current coverage and help integrate professional liability into a bundled or stand-alone solution that works for you.

  • Who Needs Professional Liability Insurance?

    This policy is a must for professionals whose clients rely on their knowledge, expertise, or services to make decisions or take action. That includes:

    • Consultants and advisors
    • Accountants and tax preparers
    • Real estate agents and brokers
    • Marketing and design firms
    • Engineers, architects, and IT professionals
    • Legal and medical professionals (in addition to malpractice policies)

    We work with businesses across Panama City, Santa Rosa Beach, and the Florida Panhandle to build customized protection that fits the scope and scale of your work.


Local Help, Real Answers

Clarity, Protection, and Peace of Mind

At St. Andrews Insurance, we’ve been helping professionals across Florida protect their reputations for over decades. Let’s build a policy that backs up the work you’re proud to deliver—so you can focus on doing what you do best.

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