Professional Liability & Errors and Omissions Insurance

Professional liability — errors-and-omissions or E&O — responds when your advice, your design, or your professional judgment costs a client money. Most professionals don't think they need it until a complaint arrives, which is the worst time to find out the policy isn't in place. We write E&O for accountants, attorneys, brokers, architects and engineers, IT consultants, and consulting practices, with careful attention to retroactive date and the specific exclusions that matter for your work.

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Professional liability — errors and omissions, malpractice, miscellaneous professional indemnity — is the policy that pays when a professional's advice, design, or service product results in financial harm to a client. Florida First Insurance of Broward writes E&O for accountants and CPAs, attorneys (FL Bar admitted), real-estate brokers and agents, architects and engineers, IT consultants and managed-service providers, insurance and financial-services intermediaries, and a range of allied health and consulting professions.

Professional-liability placement turns on retroactive date (a new policy with no retro date covers only acts after inception — for clients switching carriers, getting the retro date carried over is the entire point), claims-made vs occurrence trigger, defense inside or outside the limit, and the specific exclusions for prior knowledge, breach of contract, or specific service lines. We read the application and the quote carefully and walk clients through what's covered versus excluded before binding.

E&O placements bind for professionals across Miami-Dade, Broward, and Palm Beach in the southeast; Collier and Lee on the southwest coast; Sarasota, Manatee, Hillsborough, Pinellas, and Pasco through Tampa Bay; Polk, Orange, and Seminole along the I-4 corridor; Brevard and Volusia on the Atlantic; Alachua, Marion, and Duval through North Florida; and Leon and Escambia in the Panhandle.

Professional liability is placed for practices and consulting firms based in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Professional Liability Insurance Cover?

Negligence Claims — Covers claims that you failed to exercise reasonable care in performing professional duties.
Errors and Omissions — Covers claims arising from mistakes or failure to perform professional services as promised.
Misrepresentation — Covers claims that you provided false or misleading professional advice or information.
Defense Costs and Settlements — Covers legal fees, court costs, settlements, and judgments resulting from covered claims.