Protect your reputation—and your business—when things don’t go as planned.
Coverage for the Advice You Give
If your work involves giving advice, providing a service, or making professional judgments, you could be held liable if a client claims you made a mistake. Professional liability insurance—also known as errors & omissions (E&O)—helps cover legal costs and damages. At Schutz Insurance, we help Alabama professionals get the right protection without overcomplicating things.
What It Covers
Negligence & Errors
Covers claims of professional mistakes, bad advice, or missed deadlines—even if you didn’t do anything wrong.
Legal Defense Costs
Helps pay for attorneys, court costs, and settlements if you're sued over your professional work.
Client Contract Requirements
Often required for consultants, designers, tech providers, or licensed professionals before beginning a project.
Frequently Asked Questions
Who needs professional liability insurance?
Anyone who provides expert advice or services—consultants, real estate agents, accountants, engineers, and more.
Is this the same as general liability?
No. General liability covers physical accidents. Professional liability covers financial harm caused by your work.
What if I’m self-employed?
You still need protection. We’ll help you find affordable solo coverage, even if you're just starting out.
Does this cover independent contractors or 1099s?
Yes—many self-employed or freelance workers carry their own E&O policy. We can tailor it to fit your work and clients.
How much does professional liability cost?
It depends on your field and exposure—but we work with multiple carriers to keep rates competitive.
Mistakes happen—and even when they don’t, you could still be held responsible. Schutz Insurance helps Alabama professionals get clear, reliable protection for the work they stand behind. We'll explain the coverage, handle the paperwork, and help you keep your business reputation intact.