Protect Your Advice. Defend Your Reputation.
Even when you do everything right, mistakes can happen—or a client may simply think they did. Professional Liability Insurance helps protect your business from claims of errors, omissions, or negligence tied to your professional services. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we help consultants, service providers, and licensed professionals in Idaho and California get coverage that supports their work and shields their reputation.
Because in business, peace of mind is part of the job description.
Who needs professional liability insurance?
Any business or individual that offers professional advice or services—like consultants, real estate agents, designers, or financial advisors—should consider coverage.
What’s the difference between general and professional liability?
General liability covers physical incidents like injury or property damage. Professional liability covers claims related to your work, like missed deadlines, advice that leads to loss, or service errors.
Does it cover legal costs?
Yes. Most policies help pay for legal defense, court costs, and settlements—even if the claim turns out to be unfounded.
Is this the same as E&O insurance?
Yes. "Errors and Omissions" insurance is another name for professional liability insurance, especially common in fields like law, accounting, and real estate.
Protection for the Services You Stand Behind
In professional services, your knowledge is your product—and it’s not always tangible. This coverage protects you if a client accuses you of making a costly mistake, missing something important, or failing to deliver as promised. Even if the claim isn’t valid, legal defense can be expensive—this policy keeps you from footing the bill alone.
Support You Can Trust, Advice You Can Use
We’re here to help you understand where your risks lie, what type of policy fits your business, and how to protect your good name. Whether you're a one-person operation or a growing firm, we’ll help you stay covered so you can focus on doing what you do best.