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Houston Texas Professional Liability Insurance

As a professional or business owner, you put in countless hours providing the very best service possible to your clients and customers. You work hard and take pride in the job that you do. Unfortunately, despite your best efforts, you could be sued by an unhappy client.

Professional liability insurance protects you against these risks, ensuring that you don’t suffer the potentially massive losses that defending and/or settling a lawsuit can bring. Texan Insurance understands your business and will help you select the right amount of coverage, so you can go back to serving your clients with the peace of mind that comes from knowing that you’re covered.


What is Professional Liability Insurance?

If you’re involved in a client service-oriented profession, you face the risk of a lawsuit if a client can allege that you made errors, omissions, or other mistakes in the service you provided that resulted in a bad result. Even if the lawsuit is ultimately deemed to be without merit, you could incur significant legal costs to defend your business. This insurance will pay for those legal fees as well as the cost of a final settlement.


Who Needs Professional Liability Insurance?

If you are providing services to clients, you face the risk of a lawsuit in the case of a mistake, even if the facts are in dispute. Traditional professionals like doctors, lawyers, and CPAs face this risk, as do other professionals like business or IT consultants, real estate agents, electricians, and even hairstylists. 

Many different scenarios could lead to a professional liability lawsuit. An IT consultant who accidentally deletes important client data, a lawyer who mishandles a case, or a real estate agent who fails to achieve the highest possible sales price for her client could all face litigation. A software developer could be sued if her client’s website crashed causing lost sales, and a delivery service could be sued if the client contends that deliveries were not made on time.

Keep in mind it doesn’t necessarily matter if you were actually at fault because if the client feels that he has sufficient grounds to argue that you were, he can file a lawsuit. Some claims can also be subjective, for example, a client may contend that you failed to perform the required services under a contract, while you believe that you did.


What Does Professional Liability Insurance Cover?  What Does it Not Cover?


Covered Not Covered
  • Mistakes and omissions that a service provider makes while performing their service
  • Legal fees
  • Settlement amounts
  • Medical expenses or bodily injury are typically only covered under doctor’s malpractice insurance, for other professions, general liability insurance covers this area
  • Criminal prosecution costs
  • Legal liabilities not listed in the policy
  • Cyber liability (data breach and other technology-related issues) often require a separate policy


How Much Does Professional Liability Insurance Cost?

The cost of professional liability insurance can vary significantly by profession, industry, and the specifics of the business. An assessment of your business is required to provide an accurate quote, but a recent survey found that the average annual cost of professional liability insurance was around $140/month for a small business. The cost of professional liability insurance, however, is always much smaller than the thousands or even millions that just one lawsuit could cost.


Selecting and Purchasing Professional Liability Insurance

Texan Insurance reps are experts in professional liability insurance, and we’re here to help you make the best choice.  We understand your business and its risk and will guide you to the right amount of coverage. We can then check your needs with several top-notch insurance providers, ensuring that you get the best value.


Interested in learning more? Email or give us a call!

Phone: 281-466-3621





What professions or businesses need professional liability insurance?

Professional liability insurance is a good idea for anyone or any business that provides services to clients. This ranges from doctors and lawyers to business consultants, IT providers, electricians, plumbers…If you think you might need professional liability insurance, it’s a good idea to talk to an agent.

What is the risk of a coverage gap? 

A gap occurs when there is a period of time that the insurance is not in effect, and such gaps can result in denied claims for the entire period before the gap. For example, let’s say that your professional liability insurance expires on 12/31/19. If you don’t renew your policy or secure a new one that begins on 1/1/20, even if it begins the next day on 1/2/20, you may lose coverage for all liability stemming from work performed before 1/2/20, because you had a coverage gap. For this reason, it’s critical to keep your insurance up to date. Some policies may offer a grace period, but that is not common.

Can I combine umbrella insurance with professional liability insurance for even more coverage? 

Yes, adding an umbrella policy is a good way to increase the amount of protection you have. We can work with you to understand your needs and determine the best combination of policies. 

Is professional liability insurance tax-deductible?

Yes, insurance is a legitimate business expense and therefore tax-deductible.

We want to protect what matters most to you.

Call us at 281-998-2500 for immediate assistance or get a quote online to find out how we can get you protected.


Professional Liability Insurance Quote

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