Professional Liability Insurance
Proof of coverage and important policy features
Professional liability certificates prove your E&O coverage to clients and partners. Understanding claims-made coverage and policy features helps you maintain continuous protection.
Unlike occurrence policies, professional liability certificates show your retroactive date (the earliest date for which claims are covered) and your current policy period. This is crucial for claims-made coverage.
Understanding Certificates & Endorsements
E&O Certificate of Insurance
Shows your per-claim and aggregate limits, policy period, retroactive date, and deductible. Clients use this to verify you have professional coverage.
Tail Coverage (ERP)
Extended Reporting Period coverage lets you report claims after your policy ends for work done during the policy period.
Prior Acts Coverage
Confirms coverage for work done before your current policy started, back to your retroactive date.
Network Security/Cyber Endorsement
Adds coverage for data breaches and cyber incidents arising from professional services.
Common Endorsements
Defense Outside Limits
Legal defense costs are paid in addition to, not within, your per-claim and aggregate limits.
First Dollar Defense
Defense costs are covered from dollar one, before your deductible applies.
Vicarious Liability
Covers claims arising from acts of independent contractors or subcontractors you engage.
Need help with your professional liability insurance?
Our licensed agents can help you understand your coverage options and find the right policy for your business.