Protect your work with Professional Liability Coverage.
Whether you’re a consultant, advisor, designer, or service provider, Professional Liability insurance helps safeguard your reputation and your bottom line so you can focus on doing what you do best.
What Is Professional Liability (E&O) Insurance?
Professional liability insurance (also known as errors and omissions insurance) helps cover legal costs and damages if your business is accused of:
Errors or oversights
Mistakes happen, even to experienced professionals. If a client alleges that an error, omission, or overlooked detail in your work caused them a financial loss, professional liability insurance helps protect your business from the resulting legal and financial fallout.
Misrepresentation
If a client claims that information you provided was misleading, incomplete, or misrepresented something important, professional liability insurance can help cover legal defence costs and damages related to the claim.
Negligence
Even unintentional lapses can lead to costly legal disputes. E&O coverage helps cover defence costs and potential settlements.
Professional liability insurance can help protect your business if a client claims you failed to meet the expected standard of care in your professional services.
Inaccurate advice
When clients rely on your advice to make decisions, inaccurate guidance can sometimes lead to financial loss. Professional liability insurance helps protect your business if a client alleges that advice you gave was incorrect and caused them financial harm.
Failure to deliver promised services
If a client claims your business did not deliver services as agreed in a contract or proposal, professional liability insurance can help cover claims related to unmet expectations, financial loss, or alleged breach of professional duty.
Get a quote for your business.
Fill out the form, and we’ll get back to you within a two business days with a policy tailored to your insurance needs.
Get Professional Liability Insurance in Ontario
Your expertise is your business, protect it with professional liability insurance designed for Ontario small businesses.
What Does Professional Liability Insurance Cover?
Coverage varies by policy, but professional liability insurance commonly includes:
Legal defence costs
Settlements or court judgments
Claims alleging negligence or mistakes
Claims related to professional advice or services
Coverage for past work (subject to policy terms)
Your policy can be customized based on your industry, revenue, and risk exposure.
Professional Liability vs. General Liability Insurance
Professional Liability insurance (E&O) is different from Commercial General Liability (CGL):
Professional Liability/Errors and Omissions covers financial losses caused by your services or advice
General Liability covers bodily injury, property damage, and advertising injury
Many Ontario small businesses need both to be fully protected.
Why get professional liability coverage with aha insurance?
We’ve simplified commercial cyber insurance, so you can protect your business online and advance with coverage that works as hard as you do.
Small‑business friendly policies
We offer protection that fits your size and budget.
Clear, straightforward advice
We make professional liability insurance simple, so you can focus on your clients, not claims.
Ontario‑focused expertise
Our coverage is designed for local regulations and risk.
Professional Liability Insurance FAQs
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Professional liability insurance is required for some professions and often mandated by contracts, regulators, or professional associations. Even when not required, it’s strongly recommended.
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Costs depend on your profession, revenue, claims history, and coverage limits. Professional liability insurance is typically much more affordable than the cost of defending a claim without insurance.
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Most policies include coverage for past work, provided there’s continuous coverage and no known claims at the time the policy starts.
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Yes, professional liability policies typically cover claims arising from employee errors made while performing professional services for your business.
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E&O insurance does not cover bodily injury, property damage, or intentional wrongdoing. These risks can be addressed through other business insurance policies.