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PROFESSIONAL LIABILITY INSURANCE · GEORGIA

Professional liability insurance for Georgia service businesses.

Professional liability insurance, also called E&O (errors and omissions), pays when a client claims your professional services or advice caused them financial harm. General liability excludes professional errors. If you provide advice, designs, analysis, or any service for compensation, you need E&O.

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WHAT'S COVERED

What professional liability covers

Defense and Settlement Costs

Pays defense costs and settlements when a client claims your professional work caused them financial harm.

Prior Acts Coverage

Covers claims arising from work performed before the policy period, subject to retroactive date.

Claim Investigation Costs

Pays for the costs of investigating claims even when the claim is later proven to be without merit.

IMPORTANT LIMITATIONS

What professional liability does not cover

Bodily injury and property damage

Bodily injury and property damage claims fall under general liability, not professional liability.

Intentional fraud and criminal acts

Intentional fraudulent acts and criminal conduct are excluded.

Third-party claims outside professional services

Third-party claims that should be directed to GL or D&O policies are typically excluded from E&O.

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.

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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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GET STARTED

Providing professional services in Georgia without E&O coverage?

If you provide professional services or advice for compensation in Georgia, you have E&O exposure. Send us your profession and business details and we will compare carriers.

$500 to $3,000 per year for most Georgia professionals

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