Professional Liability Insurance

Having Professional Liability Insurance can cover financial costs in case of accidental errors or alleged negligence.

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Professional Liability Insurance

What is Professional Liability Insurance?

Professional Liability Insurance (aka Malpractice Insurance or Errors & Omissions Insurance), is an insurance type that protects a business owner, healthcare practitioner or consultant in case a professional error is made.

Nobody is perfect, we all make mistakes and professional liability coverage can cover the costly process of facing a lawsuit from a client who alleges negligence or misleading advice.

What Does a Professional Liability Policy Cover?

There are two main types of consequences a professional error can cause: Financial loss or bodily injury.

In either case, at the end, both types translate into financial risks for you. A Professional Liability Policy can cover 3rd party compensation and legal costs associated with a lawsuit even if you are guilty or not.

What is Not Covered?

Other policies may be required in addition to professional liability as circumstances may call for specific extra coverage.

When getting a Professional Liability insurance policy, make sure to learn about the following extra coverage as they are typically not included by default:

  • Cyber liability insurance
  • Business interruption insurance
  • Vehicle insurance
  • Contents and property insurance
  • Equipment breakdown insurance

In almost all circumstances, Professional Liability Insurance does NOT cover damages or injuries resulting from intentional acts.

Who Needs Professional Liability Coverage?

The following professionals should definitely have a policy in place:

  • Doctors*
  • Dentists*
  • Chiropractors*
  • Physical therapists*
  • Lawyers
  • Accountants
  • Engineers
  • Financial advisors

*Medical malpractice insurance policy

What is the Cost of Professional Liability Insurance?

The cost of a professional liability policy varies according to factors such as:

  • Industry
  • Level of experience in the industry
  • Revenue

It also depends on the nature of your work and the size of your particular business, but generally speaking, here is a breakdown of costs:

  • Consultants start at $400
  • Engineers pay around $1000
  • Software developers start at $500
  • Photographers start at $300

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Which Businesses Require Professional Liability Insurance?

Regardless of the type of business you own, Business Liability Insurance is critical for almost any business including:

  • Accountants

  • Accounting Firm

  • Actuaries

  • Advertising

  • Aerial and ground based Photographers / Videographers

  • Alternative Energy

  • Architects & Engineers

  • Appraisers

  • Bookkeepers

  • Broadcasters

  • Building Designers (Bill 124)

  • Business Consultant

  • Chiropodists

  • Civil engineers

  • Collection Agencies

  • Consultants

  • Chiropractors

  • Design Firms

  • Directors and Officers

  • Employment Agencies/Recruiters

  • Engineers

  • Environmental Engineers

  • Energy Audits & Assessments

  • Financial Advisors

  • Financial Planners

  • Foreign Legal Consultants

  • Holistic Professional

  • Hotel Consultant

  • Home Inspectors

  • Human Resources (HR) Consultant

  • Immigration Consultants

  • Information Technology & Computer Consultants

  • Interior Designers

  • IT Contractor

  • IT Specialist/Technician/Programmer

  • Independent Contractor

  • Product Designers

  • Professionals Liability

  • Lawyer’s Excess Professional Liability

  • Management Consultants

  • Medical Related

  • Medical Professionals (Malpractice Insurance)

  • Medical Students (Malpractice Insurance)

  • Multimedia designers

  • Mortgage Brokers

  • Naturopaths

  • Occupational Health and Safety Consultants

  • Quality Control Consultants

  • Placement Agencies

  • Podiatrists

  • Process Servers

  • Private Investigators

  • Project Managers

  • Property Managers

  • Paralegals

  • Publishers and Printers

  • Recruitment and Employment Agency

  • Recruitment Consultants

  • Safety Engineers

  • Service Organizations

  • Solar & Wind Farm Engineers & Consultants

  • Staffing Agencies

  • Structural Engineers

  • Sub Contractor

  • Surveyors

  • Therapist Professionals

  • Training Providers/Trainers

  • Travel Agencies

  • Travel Agents, Tour operators

  • Web-Site Designers

  • Web Developers

  • Workplace Engineers & Consultants

What our customers say about us

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Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

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