Professional Liability Insurance – Protect Your Work and Reputation in Atlanta, Georgia
Straightforward protection for Georgia professionals, consultants, and service-based businesses.
At The Elkins Agency, we help business owners secure reliable professional liability insurance (Errors & Omissions) in Atlanta and throughout Georgia. Whether you’re a consultant, contractor, advisor, or licensed professional, we make E&O coverage simple, clear, and tailored to the way you serve your clients.
What Your Policy Should Cover
We break down what a strong professional liability policy includes — and why it matters.
Errors & Omissions
Coverage for mistakes, missed deadlines, oversights, or incomplete work that cause financial harm to a client.
Professional Negligence
Protects you if a client claims your work didn’t meet industry standards — whether the accusation is valid or not.
Misrepresentation
Covers situations where a client alleges you provided misleading information or advice.
Legal Defense Costs
Pays for attorney fees, court costs, settlements, and judgments tied to covered claims — even if the lawsuit is groundless.
Optional Add-Ons
Ask us about retroactive coverage (for past work), cyber liability integrations, and endorsements tailored to your professional field.
Why Professional Liability Insurance Is Essential in Atlanta, Georgia
Your Advice and Services Carry Risk
Unlike general liability, which covers physical injury and property damage, professional liability protects you from the financial fallout of your work — advice, designs, recommendations, deliverables, and more.
Many Industries Require It
Real estate agents, contractors with design exposure, accountants, IT professionals, marketing agencies, consultants, and many licensed professions often need E&O to work with clients, join a brokerage, or sign certain contracts.
Protecting Your Livelihood & Reputation
A single mistake — or misunderstanding — can turn into a costly claim. Professional liability helps keep your business stable by covering legal costs and client disputes tied to your work.
Add-Ons That Matter
Smart extras that support professionals across Georgia.
Retroactive Coverage
Protects you from claims related to past work.
Cyber Liability Integration
Ideal for businesses handling sensitive client data.
Contract-Specific Endorsements
Additional insured status, special wording, and more (when applicable).
Tailoring Professional Liability to Your Business
Industry-Specific Endorsements
Every profession carries unique risks. We help add the right protections for your field — whether that’s consulting exposures, design liability, financial work, creative services, or tech-related risks. Your coverage should match the way you work.
Contractual Requirements
If a client or brokerage asks for specific limits, retroactive dates, or proof of E&O, we review the contract and make sure your policy meets the requirements.
Bundling With General Liability Insurance
Many Georgia businesses need both E&O and GL. We can bundle them for better pricing and seamless protection — covering both your services and the places you work.
Frequently Asked Questions – Professional Liability Insurance
Is professional liability insurance required by law in Georgia?
Not for most professions.
However, many client contracts, licensing boards, brokerages, and project owners require it before you can begin work.
What’s the difference between general liability and professional liability?
- General Liability (GL) covers physical risks: injuries, property damage, and advertising injury.
- Professional Liability (E&O) covers financial losses tied to your services, advice, or failure to meet professional standards.
Many Georgia businesses need both.
I work from home — do I still need professional liability?
Yes. Even home-based service providers can face claims involving advice, deliverables, or project outcomes. Home insurance won’t cover these exposures.
How much does general liability cost for a small business?
Costs vary based on industry and risk.
- Low-risk businesses (consultants, home-based businesses) may pay a few hundred per year.
- Higher-risk work (contractors, cleaners) may pay more.
We shop multiple carriers to find the best rate for your business.
How much does professional liability cost for a small business?
Pricing depends on your industry, revenue, and risk level.
Consultants may pay a few hundred per year, while higher-risk fields may pay more.
We shop multiple carriers to find the best rate for your business
Who Needs professional Liability coverage?
Real estate agents, consultants, insurance agents, attorneys, accountants, technology contractors, etc. – any business providing expertise or services could face claims of errors or failing to deliver expected results.
I have general liability; do I also need professional liability?
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What limit of E&O insurance should I carry?
Many contracts require at least $1M per claim, while higher-risk professions may need $2M or more. We’ll review your exposure and contract requirements to help choose the right limit.
Does E&O cover breach of contract?
Sometimes. E&O can help if the breach stems from a professional mistake or failure to deliver services. Pure contract disputes with no professional error may not be covered. We’ll explain exactly how your policy handles this.
Is professional liability the same as malpractice insurance?
Malpractice is the version of professional liability used for medical and healthcare professionals. E&O applies to other industries. Both protect you when a client claims your services caused harm.
Protect Your Professional Reputation in Atlanta, Georgia
Professional liability insurance is essential for anyone who earns a living through expertise, advice, or specialized services. Your work deserves dependable protection.