{"id":225,"date":"2026-10-10T18:13:53","date_gmt":"2026-10-10T22:13:53","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/professional-liability-insurance\/"},"modified":"2026-10-29T15:07:24","modified_gmt":"2026-10-29T19:07:24","slug":"professional-liability-insurance","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/professional-liability-insurance\/","title":{"rendered":"Seguro de responsabilidad profesional"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"225\" class=\"elementor elementor-225\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-486003d e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"486003d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06082a4 elementor-widget elementor-widget-text-editor\" data-id=\"06082a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e665f7 uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"1e665f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Professional liability<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e84c8a1 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e84c8a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Professional liability (E&amp;O) insurance in Florida<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8adf275 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8adf275\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If clients pay for your advice, expertise or professional services, a mistake or a missed deadline can lead to a lawsuit. Errors and omissions coverage pays for your defense and any settlement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-627cfe7 elementor-widget elementor-widget-text-editor\" data-id=\"627cfe7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=professional-liability\">Get an E&amp;O quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac6b6cb e-flex e-con-boxed e-con e-parent\" data-id=\"ac6b6cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-57a11e7 e-flex e-con-full uia-answer e-con e-child\" data-id=\"57a11e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee7c98 elementor-widget elementor-widget-heading\" data-id=\"6ee7c98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fca48d4 elementor-widget elementor-widget-text-editor\" data-id=\"fca48d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Professional liability insurance, also called errors and omissions or E&amp;O, covers claims that your professional work or advice caused a client a financial loss, through a mistake, oversight or failure to deliver what was promised. General liability doesn&#8217;t cover these claims. Most E&amp;O policies are written on a claims-made basis, so keeping coverage continuous matters.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea8d15f uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"ea8d15f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Who needs it<\/h2><ul><li>Real estate offices, agents and property managers<\/li><li>Consultants, accountants and bookkeepers<\/li><li>Architects, engineers and designers<\/li><li>IT, marketing and technology firms<\/li><li>Insurance and financial professionals<\/li><li>Medical and dental offices, through professional or malpractice coverage suited to the practice<\/li><\/ul><h2>Claims-made coverage, in plain terms<\/h2><p>A claims-made policy covers claims made while the policy is active, for work done after its retroactive date. If you switch carriers, keep your retroactive date so past work stays covered. If you close or sell the business, ask about tail coverage for claims that come in later.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-777658d elementor-widget elementor-widget-accordion\" data-id=\"777658d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1251\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1251\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What's the difference between general liability and professional liability?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1251\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1251\"><p>General liability covers physical injuries and property damage. Professional liability covers financial losses caused by your professional services or advice. Many service businesses need both.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1252\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1252\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is E&O insurance required?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1252\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1252\"><p>Some licenses, professional associations and client contracts require it. Even when it isn&#8217;t required, one claim can cost far more than years of premiums.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1253\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1253\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Does E&O cover past work?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1253\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1253\"><p>It covers work done after the policy&#8217;s retroactive date, as long as the claim is made while the policy is active. Keeping continuous coverage protects past work.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What's the difference between general liability and professional liability?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>General liability covers physical injuries and property damage. Professional liability covers financial losses caused by your professional services or advice. Many service businesses need both.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Is E&O insurance required?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Some licenses, professional associations and client contracts require it. Even when it isn&#8217;t required, one claim can cost far more than years of premiums.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Does E&O cover past work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>It covers work done after the policy&#8217;s retroactive date, as long as the claim is made while the policy is active. Keeping continuous coverage protects past work.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d16f5b3 elementor-widget elementor-widget-text-editor\" data-id=\"d16f5b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-blue\" href=\"\/get-a-quote\/?coverage=professional-liability\">Get an E&amp;O quote<\/a><a class=\"uia-a-btn uia-outline\" href=\"\/commercial-quote-application\/\">Fill out the full application<\/a><a class=\"uia-a-btn uia-outline\" href=\"\/business-insurance\/\">All business coverage<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af3ae7c e-con-full e-flex e-con e-parent\" data-id=\"af3ae7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c97d099 elementor-widget elementor-widget-html\" data-id=\"c97d099\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Professional Liability Insurance\",\"serviceType\":\"Professional liability (errors and omissions) insurance\",\"description\":\"Errors and omissions insurance for Florida consultants, real estate offices, accountants and other professionals.\",\"url\":\"https:\/\/www.myuniversalinsurance.com\/professional-liability-insurance\/\",\"provider\":{\"@id\":\"https:\/\/www.myuniversalinsurance.com\/#organization\"},\"areaServed\":{\"@type\":\"State\",\"name\":\"Florida\"}}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Professional liability Professional liability (E&amp;O) insurance in Florida If clients pay for your advice, expertise or professional services, a mistake or a missed deadline can lead to a lawsuit. Errors and omissions coverage pays for your defense and any settlement. Get an E&amp;O quoteCall (407) 898-1116 The short answer Professional liability insurance, also called errors [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-225","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/225","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=225"}],"version-history":[{"count":4,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/225\/revisions"}],"predecessor-version":[{"id":416,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/225\/revisions\/416"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=225"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}