Professional & Cyber Liability
Professional & Cyber Liability — Compare Quotes & Providers
Protect your business against claims of professional mistakes, negligence or bad advice — and against the cost of a data breach — with errors-&-omissions and cyber cover built for service businesses.
- Errors & omissions (E&O) cover
- Data-breach & cyber protection
- Defence costs included
$1M
Typical per-claim E&O limit clients require
3+
Carriers compared on one quote
E&O + Cyber
Advice and data covered together
$0
To compare — always free
Cover For The Work And Data You Handle
General liability covers physical harm — but if a client claims your advice, service or work cost them money, that's professional liability (also called errors & omissions). It pays your legal defence and any settlement when you're accused of a mistake, missed deadline or negligence, even if the claim is unfounded.
Add cyber cover and you're also protected against the cost of a data breach — notification, recovery, liability and, increasingly, ransomware. We compare carriers so consultants, agencies, clinics, IT firms and other service businesses get the right cover for both their advice and their data.
Defend the claim that questions your work
A single unhappy client doesn't need to be right to cost you. The moment they allege your advice or work lost them money, the legal bills start — and professional liability is what pays to defend you, settle if needed, and keep one dispute from draining the business.
We match your profession to carriers that actually underwrite it, fold in cyber cover for the client data you hold, and protect your past work by keeping your retroactive date intact at renewal.
Errors & omissions covered
Claims of negligence, a missed deadline, faulty advice or work that didn't deliver — E&O pays the defence and settlement even when the allegation turns out to be unfounded.
Cyber & data-breach cover
If client data is exposed, cyber cover funds customer notification, forensics, recovery, legal liability and ransomware — the bills E&O alone won't touch.
Your retroactive date protected
E&O is claims-made, so continuity matters. We keep your retroactive date as early as possible at renewal so past work stays covered, not orphaned.
Occurrence vs claims-made — which form do you need?
Professional liability is written two ways, and the difference decides what's covered and when. We weigh both against your profession and your contract requirements.
Occurrence
Covers any incident that happens while the policy is active — no matter when the claim is finally filed.
- The policy active when the work was done responds to the claim
- Cover holds even years after you cancel the policy
- No tail coverage needed when you switch carriers or retire
- Simpler continuity — fewer gaps to track at renewal
Best for: Professions where a claim can surface long after the work, and anyone who wants set-and-forget continuity.
Claims-made
Covers claims filed while the policy is active, back to a retroactive date — the most common form for E&O.
- Lower starting premiums, especially in the first policy years
- Retroactive date sets how far back past work is covered
- Keep cover continuous — a lapse can orphan earlier work
- Buy 'tail' coverage when you switch or close the business
Best for: Most service firms and the standard contracts ask for — best value when you keep cover continuous.
Typical Professional & Cyber Plans
Sample policies from business insurers — submit a quote for pricing scoped to your profession, revenue and data exposure.
Allstate
4.3
Standard Auto
No contract
- Roadside assistance included
- Accident forgiveness
- Safe driver discounts
Geico
4.5
Liability Plus
No contract
- 24/7 claims service
- Multi-policy discount available
- Mobile app for everything
Progressive
4.4
Name Your Price
No contract
- Snapshot discount program
- Bundle home + auto savings
- Online policy management
How To Compare Professional Liability Insurance Using Comparison Junction?
- 1
Tell Us About Your Services
Your profession, revenue, the kind of advice or work you deliver, and the client data you hold.
- 2
We Match You To Insurers
Carriers that write E&O and cyber for your profession return real quotes at appropriate limits.
- 3
Compare Cover & Exclusions
Limits, retroactive dates, cyber inclusions, deductibles and premium — laid out side by side.
- 4
Bind Your Policy
Pick a policy and bind cover; many clients and contracts require proof of E&O before you start.
Why Comparison Junction
Why compare professional liability with Comparison Junction
E&O and cyber pricing is opaque and the exclusions hide in the fine print. We make limits, retroactive dates and the real annual cost clear — so the cheapest quote is genuinely the right cover.
Featured
Right limits, fair price
We quote E&O at the limits your contracts demand and surface the carrier that covers them for the least — no padding you into cover you'll never claim.
Smart comparison preview
No hidden exclusions
Retroactive dates, sub-limits, deductibles and cyber carve-outs are spelled out before you bind, so the policy actually responds when a claim lands.
Quote to bound cover fast
We coordinate the quote and the bind so you can hand a certificate of professional liability to a client or contract the same day.
Expert coverage matching
A real advisor matches your profession to carriers that underwrite it well — independent guidance, not a commission-driven pitch.
Carriers you can trust
We compare financially sound, A-rated business insurers, so the policy behind your work and your data is one that pays claims.
Cyber built into the cover
For any firm holding client data, we pair E&O with cyber so a breach — notification, recovery, ransomware — doesn't fall through the gap.
Here's what our customers have to say
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