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Professional Liability Insurance - Georgia

Professional Liability Insurance: Protection for Georgia Service Businesses

Your general liability policy does not cover mistakes in your professional work. If a client claims your advice, services, or recommendations caused them financial harm, you need errors and omissions coverage.

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What Professional Liability Covers

Errors and Omissions

Covers claims that your professional advice, service, or failure to act caused a client financial loss. This is the core protection for consultants, advisors, designers, and any professional service firm.

Legal Defense Costs

Pays attorney fees, expert witnesses, and court costs regardless of whether the claim has merit. Defense costs alone can exceed $50,000 even for claims that are ultimately dismissed.

Settlement and Damages

Pays settlements and judgments up to your policy limit. Claims-made policies cover incidents reported during the policy period, including prior acts back to your retroactive date.

Disciplinary Proceedings Defense

Covers your legal defense if a Georgia professional licensing board, state agency, or regulator opens a complaint or investigation. Particularly important for Georgia real estate, healthcare, contractor, and CPA licensees.

What Professional Liability Does Not Cover

Bodily Injury and Property Damage

Physical injuries and property damage are covered under general liability, not professional liability. You need both for full protection.

Intentional Misconduct

Deliberate fraud, dishonest acts, or intentional harm are excluded. Professional liability covers negligent errors, not criminal conduct.

Prior Known Claims

Claims that were known or should have been known before the policy inception are excluded. Always disclose potential claims when applying for coverage.

Employment Practices

Wrongful termination, discrimination, and harassment claims require separate employment practices liability coverage.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines

Travelers Commercial

A++ Superior

AM Best A++ commercial carrier with broad multi-line appetite across BOP, GL, workers comp, and cyber for Georgia small to mid-market businesses.

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Commercial Lines - Georgia

Chubb Commercial

A++ Superior

Mid-market and specialty commercial carrier with industry-leading management liability, cyber, and international coverage for Georgia businesses above $5M revenue.

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Commercial Lines - Georgia

Philadelphia

A++ Superior (Tokio Marine Group)

Specialty commercial carrier focused on Georgia nonprofits, religious institutions, habitational, and schools where standard markets have weaker appetite.

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Commercial Lines

The Hartford Commercial

A+ Superior

Most respected small business commercial carrier with one of the broadest BOP policies available and industry-leading workers comp.

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Commercial Lines - Georgia

Hanover

A Excellent

Independent-agent-only carrier with strong small and mid-market BOP appetite and competitive coverage terms in the $1M to $10M revenue range.

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Commercial Lines - Georgia

CNA

A Excellent

Top mid-market commercial carrier with healthcare professional liability strength and broad appetite across $500K to $50M revenue Georgia accounts.

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Protect Your Professional Practice

We place professional liability for technology firms, consultants, financial advisors, and other professional service businesses across Georgia. Free review, no obligation.

$800 to $5,000 per year

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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