Professional Liability Insurance Calgary

Professional Liability Insurance Calgary

Customized, low-cost professional liability insurance for small businesses and self-employed professionals in the Calgary Region.

Zensurance - Calgary Professional Liability Insurance

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Professional liability insurance for small businesses in Calgary

Independent professionals, contractors, and small business owners across the Calgary Metropolitan Area – Downtown Calgary, Airdrie, Chestermere, Rocky View County, Beiseker, Cochrane, Crossfield, Irricana, Okotoks, High River, and Foothills County – who provide advice and services to their customers face significant professional liability risks.

That’s why professional liability insurance is essential regardless of the type of business you have, the industry you’re in, and the services you provide.

Also called errors and omissions (E&O) insurance, professional liability insurance is designed to cover your costs when facing customer claims alleging monetary losses resulting from your services due to professional negligence, misconduct, misrepresentation, or failing to deliver a service as promised. It also includes protection for the media and advertising services you provide your clients if legal action is taken against them, alleging defamation or false advertising.

A customized, low-cost professional liability insurance policy from Zensurance is a vital safeguard to protect your finances and reputation from expensive losses due to allegations of wrongdoing, errors, or lawsuits.

What does it cover?

A professional liability insurance policy covers Calgary-based small businesses and independent professionals in any industry from a variety of expensive claims, legal disputes, and allegations, including:

  • Negligence
  • Misconduct
  • Misrepresentation
  • Failing to deliver a service as promised
  • Omissions
  • Mistakes or oversights in your services
  • Breach of contract
  • Poor advice
  • Products or devices you provide or develop for a client

How much does it cost?

Professional liability insurance in Calgary typically starts at around $250 per year. However, insurance providers determine the actual cost of your policy by considering the details of your business or profession, including:

  • Your business’s location
  • The services you provide and your industry
  • How many employees you have (if applicable)
  • Who your customers are, the size of those organizations, and the industries they’re in
  • Your years of experience
  • Your annual and projected revenue

Professional liability claims examples

Calgary Accountant Professional Liability

An accountant in Altidore makes an error on a client’s tax return that results in the client being audited and fined by the Canada Revenue Agency.

Calgary - Consultant Professional Liability

A business consultant in Bridgeland-Riverside provides a client with advice on launching a new product that is flawed and leads to financial losses for their client.


An architect in Crescent Heights designs a residential building, and later, structural issues emerge, leading to potential safety concerns and legal action against them.

Frequently asked questions

Why do I need professional liability coverage in addition to commercial general liability coverage?

Insurance policies are created with the intent of covering a large number of business segments. Every business is unique as to what they offer and how they are operated, due to these individual complexities it is almost impossible for one single insurance policy to cover everything a business may offer. Your basic insurance policy, Commercial General Liability covers any claims of your business causing injury or loss whether it be to a customer, tenant, or landlord. These policies do not, however, cover your professional advice and services, management decisions, physical property, computer systems, data and other potential loss exposures that might exist within your business model.

Does professional liability insurance cover errors and omissions?

Yes. professional liability insurance covers errors and omissions in the service or advice provided by professionals. In fact, the terms ‘professional liability insurance’ and ‘errors and omissions insurance’ actually refer to the same type of policy.

How much professional liability coverage do I need?

The most common professional liability coverage that business owners, consultants or practitioners opt for is the $1M/$2M coverage ($1M max pay out for a single claim during a year, $2M max pay out for all claims throughout a year). If you believe risks are higher in your industry or for your specific business, you should consult with your broker about getting a policy with higher limits.

Why choose Zensurance?

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Ready to start? Let’s get a quote!

Safeguard your assets and financial wellness with a customized, low-cost professional liability insurance policy from Zensurance.

Mistakes, oversights, or disputes with a client can happen to any professional or small business owner at any time. Shield your finances and reputation from the risk of expensive lawsuits and allegations of wrongdoing or negligence.

Fill out our online application for a free quote. We’ll shop our partner network of over 50 Canadian insurers to find the affordable coverage your business needs, and our knowledgeable brokers will tailor it to suit your requirements and budget.