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Professional Liability Insurance Program

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Even if your professional firm follows best practices of professional conduct, you might still cause injuries or loss to an individual or business through professional errors or omissions. In those cases, a professional liability insurance policy can respond with coverage that contributes toward legal defense costs, damage awards and settlements.

Cal-Nevada Insurance Agency offers business insurance clients in San Francisco and throughout the northern California, Arizona and Las Vegas, Nevada areas professional liability insurance and risk management services that provide financial protection against such claims.


Your general liability insurance policy most likely excludes coverage for professional services claims. Instead, you will need to look to professional liability insurance, often referred to as malpractice insurance, legal liability insurance, or errors and omissions insurance (E&O).

You can choose a policy that pays for defense expenses outside of your liability limits, which protects what’s available for settlement or damage awards payments. Moreover, some policies offer “first-dollar defense,” meaning you get coverage for legal bills from the first dollar forward.

It is also possible to get prior acts coverage, which insures specified work you did before obtaining your new coverage. Other policies offer an extended reporting period, which offers protection into the future, even after you retire.

Since coverage for independent contractors that work for you is limited or excluded under many policies, your Cal-Nevada advisor will help make sure you don’t have any insurance gaps for services they provide to your clients.


We have policies that insure the professional services of a wide variety of practices and firms, including:

  • Doctors and their assistants
  • Dentists
  • Contractors who have design/build operations
  • Attorneys
  • Accountants
  • Architects and engineers
  • Designers
  • Realtors and many more

Talk to Cal-Nevada Insurance Agency about avoiding and insuring against professional liability claims.

For further information or to schedule a meeting with an advisor, contact us at (866) 670-5948, or e-mail us at