{"id":8995,"date":"2025-09-08T06:30:00","date_gmt":"2025-09-08T13:30:00","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/news\/?p=8995"},"modified":"2026-03-24T14:43:26","modified_gmt":"2026-03-24T21:43:26","slug":"who-really-needs-professional-liability-insurance-spoiler-maybe-you","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/","title":{"rendered":"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: <\/span><span class=\"yoast-reading-time__reading-time\">4<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-ai-summarize yoast-ai-summarize\"><h2>Key Takeaways<\/h2>\n<ul class=\"wp-block-list yoast-ai-summarize-list\">\n<li>Professional liability insurance (E&amp;O) helps protect service providers from claims of financial harm due to errors or negligence.<\/li>\n\n\n\n<li>Many professionals need E&amp;O coverage, including consultants, healthcare workers, IT professionals, and real estate agents.<\/li>\n\n\n\n<li>Insurance is essential for protecting against costly claims and legal fees in various service industries.<\/li>\n\n\n\n<li>E&amp;O policies often operate on a claims-made basis, meaning claims must be reported within specific timeframes.<\/li>\n\n\n\n<li>Consider getting a quote from a licensed agent to find the best coverage options tailored to your needs.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>If you&#8217;re in the business of giving advice or you provide a service professionally, you probably need professional liability insurance. Professional liability insurance (often called E&amp;O) can help pay legal defense costs and covered damages if a client claims your professional services caused them financial harm due to an actual or alleged error, omission, or negligence\u2014subject to the policy\u2019s terms and exclusions.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.businessinsuranceusa.com\/professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Professional liability insurance<\/a> is commonly associated with doctors (medical malpractice), <a href=\"https:\/\/www.businessinsuranceusa.com\/law-office-professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">lawyers<\/a>, <a href=\"https:\/\/www.businessinsuranceusa.com\/accountant-professional-liability\" target=\"_blank\" rel=\"noreferrer noopener\">accountants<\/a>, <a href=\"https:\/\/www.businessinsuranceusa.com\/architect-professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">architects<\/a>, and <a href=\"https:\/\/www.businessinsuranceusa.com\/engineer-professional-liability\" target=\"_blank\" rel=\"noreferrer noopener\">engineers, <\/a>but it\u2019s also widely used across many service professions where clients could allege financial harm.<\/p>\n\n\n\n<p>Problems could arise for any business that provides professional advice or services. A business consultant might say something that the client mistakenly believed was advice to change his proven product formula. When the product later loses market share or becomes faulty, the client may blame the consultant.<\/p>\n\n\n\n<p>These types of mistakes could happen in many different professions. So here&#8217;s a quick list of the types of professionals who need professional liability, or E&amp;O, insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-consultants-and-advisors\">1. Consultants and Advisors<\/h2>\n\n\n\n<p>This category includes many types of professions. Business consultants, marketing strategists, and financial advisors are common ones. And wellness coaches, too. When you offer advice of any type, a client can later claim that your advice caused them to suffer financially. Without insurance, you&#8217;re left to pay the legal fees and settlements that come from those claims.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-healthcare-professionals\">2. Healthcare Professionals<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.businessinsuranceusa.com\/doctors-professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Doctors<\/a>, nurses, therapists, and even chiropractors fit into this group. Malpractice insurance is a type of professional liability coverage that is specifically written for medical professionals. Malpractice lawsuits don&#8217;t always come from big mistakes. Sometimes a small oversight can spiral too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-it-professionals-and-software-developers\">3. IT Professionals and Software Developers<\/h2>\n\n\n\n<p>Working in the tech industry could be risky. Tech E&amp;O may address allegations that your professional services caused a client\u2019s financial loss (e.g., failed implementation, coding errors). Data breaches and privacy incidents may require separate <a href=\"https:\/\/www.businessinsuranceusa.com\/cyber-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">cyber liability <\/a>coverage depending on the policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-real-estate-agents-and-brokers\">4. Real Estate Agents and Brokers<\/h2>\n\n\n\n<p>A missed disclosure or incorrect listing could land you in court. And it doesn&#8217;t matter if it was a genuine accident. Real estate deals involve big money, and people get litigious when they feel misled or poorly represented.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-accountants-and-bookkeepers\">5. Accountants and Bookkeepers<\/h2>\n\n\n\n<p>Working with other people&#8217;s money is risky. If you misfile taxes, put a decimal in the wrong place, or miss a crucial financial error, you&#8217;ve got big problems. The <a href=\"https:\/\/www.irs.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">IRS<\/a> will want to talk to you. Clients will come for you, too. Especially if they\u2019re hit with penalties because of your mistake.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-architects-and-engineers\">6. Architects and Engineers<\/h2>\n\n\n\n<p>Design flaws and planning errors could cause serious financial damages or safety risks. Claims in these fields could be expensive, and many firms carry E&amp;O either due to contract requirements or to protect against the cost of defending negligence allegations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-creative-professionals\">7. Creative Professionals<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.businessinsuranceusa.com\/advertising-agency-professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Creative businesses<\/a> often buy E&amp;O (sometimes called media\/tech E&amp;O) to help with allegations like professional negligence, failure to deliver services as promised, or certain advertising\/media claims, but contract disputes and IP issues may be excluded or require specific coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-freelancers-and-independent-contractors\">8. Freelancers and Independent Contractors<\/h2>\n\n\n\n<p>When you\u2019re independent, you don\u2019t have a corporate legal department behind you. E&amp;O could help you keep one claim from turning into a business-ending expense.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-one-key-detail-many-e-amp-o-policies-are-claims-made\">One Key Detail: Many E&amp;O Policies are Claims-Made<\/h2>\n\n\n\n<p>Many professional liability policies are written on a <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/commercial-general-liability\/business-insurance-claims-made-vs-occurrence-policies\/\" target=\"_blank\" rel=\"noreferrer noopener\">claims-made basis<\/a>, meaning the timing of the claim (and your reporting of it) matters. Two things to understand:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your policy may have a retroactive date (prior acts date) that limits how far back work is covered.<\/li>\n\n\n\n<li>If you stop coverage, you may need tail coverage (an extended reporting period) so you can still report claims that come in later.<\/li>\n<\/ul>\n\n\n\n<p>If you\u2019re switching carriers or closing your business, don\u2019t guess\u2014ask how your retroactive date and tail options work for your policy.<\/p>\n\n\n\n<p>A licensed agent can help you choose limits and a deductible\/self-insured retention that fits your risk tolerance and budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-a-professional-liability-quote\">Get a Professional Liability Quote <\/h2>\n\n\n\n<p>If you want help comparing professional liability (E&amp;O) options, <a href=\"https:\/\/www.businessinsuranceusa.com\" target=\"_blank\" rel=\"noreferrer noopener\">USA Business Insurance<\/a> can shop coverage with multiple carriers and explain the differences in plain language so you\u2019re not guessing what you bought.<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\">\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/the-critical-role-of-contractor-errors-and-omissions-insurance-safeguarding-against-unseen-risks\/\">The Critical Role of Contractor Errors and Omissions Insurance: Safeguarding Against Unseen Risks<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/professional-liability-insurance-why-it-matters-and-who-needs-it\/\">Why Professional Liability Insurance Is Important (And Who Needs It)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/business-insurance-claim-case-studies\/\">Business Insurance Claim Case Studies: 10 Professions<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/what-does-business-insurance-cover\/\">What Does Business Insurance Cover?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/professional-liability-insurance-analysis\/\">Professional Liability Insurance Analysis<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re in the business of giving advice or you provide a service professionally, you&#8230;<\/p>\n","protected":false},"author":3,"featured_media":8996,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[728],"tags":[48],"class_list":{"0":"post-8995","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-errors-and-omissions-insurance","8":"tag-business-insurance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)<\/title>\n<meta name=\"description\" content=\"Consider professional liability insurance for your business, professional liability helps cover legal defense costs\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)\" \/>\n<meta property=\"og:description\" content=\"Consider professional liability insurance for your business, professional liability helps cover legal defense costs\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/\" \/>\n<meta property=\"og:site_name\" content=\"USA Business Insurance Services, Inc\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/USAbusinessInsurance\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-08T13:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-24T21:43:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2025\/08\/professional-liability.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sam Meenasian\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@BusinessInsUSA\" \/>\n<meta name=\"twitter:site\" content=\"@BusinessInsUSA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sam Meenasian\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/\"},\"author\":{\"name\":\"Sam Meenasian\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/3192fe79dcc5d6f3774ea0e65f2d86f5\"},\"headline\":\"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)\",\"datePublished\":\"2025-09-08T13:30:00+00:00\",\"dateModified\":\"2026-03-24T21:43:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/\"},\"wordCount\":860,\"image\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/professional-liability.jpg\",\"keywords\":[\"business insurance\"],\"articleSection\":[\"Errors and Omissions Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/\",\"name\":\"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/professional-liability.jpg\",\"datePublished\":\"2025-09-08T13:30:00+00:00\",\"dateModified\":\"2026-03-24T21:43:26+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/3192fe79dcc5d6f3774ea0e65f2d86f5\"},\"description\":\"Consider professional liability insurance for your business, professional liability helps cover legal defense costs\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/professional-liability.jpg\",\"contentUrl\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/professional-liability.jpg\",\"width\":800,\"height\":533,\"caption\":\"Who Really Needs Professional Liability Insurance\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/errors-and-omissions-insurance\\\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/\",\"name\":\"USA Business Insurance Services, Inc.\",\"description\":\"USA Business Insurance Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/3192fe79dcc5d6f3774ea0e65f2d86f5\",\"name\":\"Sam Meenasian\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g\",\"caption\":\"Sam Meenasian\"},\"description\":\"Sam Meenasian is the Operations Director of USA Business Insurance and an expert in commercial lines insurance products. With over 20 years of experience and knowledge in the commercial insurance industry, Meenasian contributes his level of expertise as a leader and an agent to educate and secure online business insurance for thousands of clients within the Insurance family. CA dept of insurance license #0F75955\",\"sameAs\":[\"https:\\\/\\\/www.businessinsuranceusa.com\",\"https:\\\/\\\/www.instagram.com\\\/usabusinessinsurance\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/sam-meenasian-55245ab0\",\"https:\\\/\\\/www.youtube.com\\\/@USAbusinessInsurance\"],\"knowsAbout\":[\"Commercial Insurance\"],\"jobTitle\":\"VP\",\"worksFor\":\"USA Business Insurance Services\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/author\\\/meenasian\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)","description":"Consider professional liability insurance for your business, professional liability helps cover legal defense costs","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/","og_locale":"en_US","og_type":"article","og_title":"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)","og_description":"Consider professional liability insurance for your business, professional liability helps cover legal defense costs","og_url":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/","og_site_name":"USA Business Insurance Services, Inc","article_publisher":"https:\/\/www.facebook.com\/USAbusinessInsurance","article_published_time":"2025-09-08T13:30:00+00:00","article_modified_time":"2026-03-24T21:43:26+00:00","og_image":[{"width":800,"height":533,"url":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2025\/08\/professional-liability.jpg","type":"image\/jpeg"}],"author":"Sam Meenasian","twitter_card":"summary_large_image","twitter_creator":"@BusinessInsUSA","twitter_site":"@BusinessInsUSA","twitter_misc":{"Written by":"Sam Meenasian","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/#article","isPartOf":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/"},"author":{"name":"Sam Meenasian","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#\/schema\/person\/3192fe79dcc5d6f3774ea0e65f2d86f5"},"headline":"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)","datePublished":"2025-09-08T13:30:00+00:00","dateModified":"2026-03-24T21:43:26+00:00","mainEntityOfPage":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/"},"wordCount":860,"image":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/#primaryimage"},"thumbnailUrl":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2025\/08\/professional-liability.jpg","keywords":["business insurance"],"articleSection":["Errors and Omissions Insurance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/","url":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/","name":"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)","isPartOf":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/#primaryimage"},"image":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/#primaryimage"},"thumbnailUrl":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2025\/08\/professional-liability.jpg","datePublished":"2025-09-08T13:30:00+00:00","dateModified":"2026-03-24T21:43:26+00:00","author":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#\/schema\/person\/3192fe79dcc5d6f3774ea0e65f2d86f5"},"description":"Consider professional liability insurance for your business, professional liability helps cover legal defense costs","breadcrumb":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/#primaryimage","url":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2025\/08\/professional-liability.jpg","contentUrl":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2025\/08\/professional-liability.jpg","width":800,"height":533,"caption":"Who Really Needs Professional Liability Insurance"},{"@type":"BreadcrumbList","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/errors-and-omissions-insurance\/who-really-needs-professional-liability-insurance-spoiler-maybe-you\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.businessinsuranceusa.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Who Really Needs Professional Liability Insurance? (Spoiler: Maybe You)"}]},{"@type":"WebSite","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#website","url":"https:\/\/www.businessinsuranceusa.com\/blog\/","name":"USA Business Insurance Services, Inc.","description":"USA Business Insurance Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.businessinsuranceusa.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#\/schema\/person\/3192fe79dcc5d6f3774ea0e65f2d86f5","name":"Sam Meenasian","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g","caption":"Sam Meenasian"},"description":"Sam Meenasian is the Operations Director of USA Business Insurance and an expert in commercial lines insurance products. With over 20 years of experience and knowledge in the commercial insurance industry, Meenasian contributes his level of expertise as a leader and an agent to educate and secure online business insurance for thousands of clients within the Insurance family. CA dept of insurance license #0F75955","sameAs":["https:\/\/www.businessinsuranceusa.com","https:\/\/www.instagram.com\/usabusinessinsurance","https:\/\/www.linkedin.com\/in\/sam-meenasian-55245ab0","https:\/\/www.youtube.com\/@USAbusinessInsurance"],"knowsAbout":["Commercial Insurance"],"jobTitle":"VP","worksFor":"USA Business Insurance Services","url":"https:\/\/www.businessinsuranceusa.com\/blog\/author\/meenasian\/"}]}},"modified_by":"Sam Meenasian","_links":{"self":[{"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/posts\/8995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/comments?post=8995"}],"version-history":[{"count":9,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/posts\/8995\/revisions"}],"predecessor-version":[{"id":12485,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/posts\/8995\/revisions\/12485"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/media\/8996"}],"wp:attachment":[{"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/media?parent=8995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/categories?post=8995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/tags?post=8995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}