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Professional Liability Overview

North Shore, Boston & New England Professionals who operate their own businesses need professional liability insurance in addition to their in-home business or business owners’ policy. It’s important to protect your business against liability from lawsuits and damages. There are many types of industry-specific professional liability policies depending on your type of business. A professional liability insurance policy from Phil Richard can prepare you and your company in the event that you are subjected to a professional liability claim.

Professional Liability Key Facts

  • Professionals who provide services or advice are at risk if they fail to perform the services for which they were hired, or to meet the standards of conduct expected in their particular industry.
  • When liability is limited to acts of negligence, professional liability insurance may be called, “errors and omissions” liability.
  • Professional liability is a specialty coverage not provided under homeowners’ endorsements, in-home business policies or business owners’ policies.

Don’t wait! Consider the risks inherent in your profession and consult with a local MA insurance agency that knows how to navigate all types of professional liability coverage. Email: or call us at 978-774-4338.

Frequently Asked Questions

What are some industries that would benefit form a professional liability policy?
Professions that commonly purchase professional liability insurance include, medical, accounting, engineering and financial services, construction and maintenance (general contractors, plumbers, etc., many of whom are also surety bonded), and transport. Some charities and other nonprofits/NGOs are also professional-liability insured.
What are some types of claims covered by professional liability insurance?
Common claims that professional liability insurance covers are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice.
Are there types of liability claims not covered by professional liability insurance?

Professional liability coverage does not include criminal prosecution, nor will it cover all forms of legal liability under civil law, only those specifically enumerated in the policy. Cyber security liability, covering data breach and other technology issues, may not necessarily be included either.

Professional Liability Insurance Service Area

Phil Richard Insurance, located in Danvers, MA, offers Professional Liability Insurance to professionals in the North Shore of Massachusetts including but not limited to Danvers, Peabody, Beverly, Salem, Newburyport, Ipswich, Rockport, Gloucester, Marblehead, Swampscott, Amesbury, Georgetown, Lynnfield, Middleton, Hamilton, Wenham, Greater Boston Area, and more. We also serve New Hampshire, Connecticut, and Maine.

See what our clients have to say:

I Just wanted to tell you how much I enjoy working with Jackie Montes. She’s the best! She’s efficient, professional, and always on the ball. It’s a pleasure to deal with her!! She has helped me out tremendously with getting all our insurance requirements for the Compliance Depot (nightmare!) and I can always count on her to get my COI out in a timely manner. I never have to worry about anything when I deal with her.

Excellent staff member!!

Tina W. April 19, 2017

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The last piece of the puzzle?

You need an agent you can rely on.


Everything you’re working for needs to be adequately protected, otherwise that second home or retirement may be out of the question. We find having an agent you trust is often an afterthought, but it should be the first one. It can make or break your business.


If you have any questions on your coverage, we will help you. We offer competitive products for many industries including Condo Associations, Non-Profits, Artisan Contractors, Restaurants, Auto Body Shops, Gas Stations, and more. Talk to us about your small business today.

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27 Garden Street

Unit 1B
Danvers, MA 01923


Office Hours


Mon – Fri: 9am – 4:30pm

Sat – Sun: Closed



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