Protect What Matters Most

What would happen if you made a mistake that unintentionally harmed a client? Professional Liability (MPL) insurance—also known as Errors & Omissions (E&O) insurance—helps protect your small business from claims related to negligence or failure to uphold contractual obligations, particularly in service-based industries.

You may be more familiar with terms like "errors and omissions insurance" or "medical malpractice insurance, "both of which fall under MPL coverage. This insurance helps cover financial or economic damages to your clients resulting from:

• Negligence
• Malpractice
• Errors
• Misrepresentation
• Incomplete or inaccurate work
• Breaches of contract

If you face a lawsuit for damages, MPL insurance can cover legal defense costs and any awarded settlements, ensuring your business is financially protected.

How do small businesses prepare for the unexpected? General Liability (GL) insurance protects your or your client’s businesses from liability arising from claims of damage or injury. Often, General Liability Insurance is required by landlords, financial institutions, industry regulations, or even commercial clients.  

General Liability insurance protects against a variety of claims, including injuries or property damage arising from business operations. If someone falls while visiting your client’s location, or if a customer is hurt by a product they sell, they can be held responsible. A GL policy covers four categories of events for which your client could be held responsible:

• Bodily injury
• Damage to others’ property
• Personal injury, including slander and libel
• False or misleading advertising