Professional Liability (E&O) Insurance in Florida
Professional liability insurance, also called errors and omissions (E&O) coverage, protects service-based businesses and professionals against claims of negligence, mistakes, or failure to deliver promised services. Requirements and typical coverage limits vary significantly by profession. This page covers what to know if you're shopping for professional liability (e&o) insurance in Florida (FL) specifically — state minimum requirements and regulatory notes are {{VERIFY: Florida minimum coverage/regulatory requirement for Professional Liability (E&O) Insurance}}, to be sourced from official Florida Department of Insurance filings and NAIC data before being stated here as fact.
State requirements
State-specific minimum coverage requirements and regulatory notes for Florida are pending sourcing from the Florida Department of Insurance.
Licensed carriers
A list of carriers licensed to write professional liability (e&o) insurance in Florida will appear here, sourced from state filings.
What affects professional liability (e&o) insurance cost in Florida
- Profession/industry and specific services offered
- Annual revenue
- Claims history and prior E&O claims
- Coverage limits selected (per-claim and aggregate)
Florida FAQ
Are there Florida-specific requirements for professional liability (e&o) insurance?
Florida may set its own minimum coverage requirements or regulatory rules for professional liability (e&o) insurance — {{VERIFY: Florida minimum coverage/regulatory requirement for Professional Liability (E&O) Insurance}}. Confirm current requirements with the Florida Department of Insurance before assuming a specific limit applies.
How do I find carriers licensed to write professional liability (e&o) insurance in Florida?
Every state's Department of Insurance publishes a list of carriers licensed to do business in that state. You can also compare providers that serve Florida using the comparison tool on this page.
What's the difference between general liability and professional liability (E&O)?
General liability covers third-party bodily injury and property damage; professional liability (E&O) covers financial harm a client claims resulted from your professional advice, service, or work product. Many businesses carry both because they cover different types of claims.
Is professional liability insurance required by law?
Requirements vary significantly by profession and state — some licensed professions have state-mandated minimum coverage, while many other professions carry it voluntarily or because a client contract requires it. {{VERIFY: your specific profession's state licensing requirement}}.
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