Protect Your Business Against Liability Damages with Professional Liability Insurance

When least expected, a small business may be subjected to a professional liability lawsuit. These suits may claim that you've been negligent or made an error or omission while performing your services. Liability damages may cost hundreds of thousands of dollars.

Professional liability insurance from State Farm® can help you and your firm pay defense costs and judgments that come from claims of professional negligence, error, or omission.

To learn more about our business professional insurance, please contact your State Farm agent.

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Architects & Engineers Professional Liability

Under this professional liability insurance policy, certain architects and engineers are protected from claims alleging a negligent act, error or omission in the performance of their professional services.

Accountants Professional Liability

This policy provides certain accountants and related businesses protection from claims alleging a negligent act, error or omission in the performance of professional accounting services.

Commercial Liability Umbrella

This special liability insurance policy would protect your livelihood from lawsuits arising from your business. This policy would cover you to a certain limit. For businesses that need $1 million or more of liability protection, State Farm's Commercial Liability Umbrella Policy offers broad coverage at a sensible price.

Dentists Professional Liability

Under this policy, certain dentists are protected from claims arising out of a Dental Incident (i.e. act, error, omission or mistake) in performing professional services. Professional services are dental services the insured is trained, licensed and qualified to perform.

Employment Practices Liability (EPLI)

Business owners with employees need EPLI to cover claims for harassment, discrimination or wrongful termination. It is specifically designed to help protect the insured and their business in the event an employee brings a suit or administrative charge.

Miscellaneous Errors & Omissions Liability

Under this policy, specific customers are protected from liability arising from a negligent act, error or omission in the performance of their professional service. An important benefit of this product is coverage for legal defense costs. Even when found innocent, the legal costs can be substantial.

Not-For-Profit Directors & Officers with Employment Practices Liability

This product is similar to the above EPLI, but protects the directors and officers of not-for-profit organizations in the event of a suit for an actual or alleged wrongful act in connection with management. EPLI coverage is also included to help protect the organization in the event that an employee brings a suit or administrative charge related to the organization's employment practices. This may include charges for sexual harassment, discrimination or wrongful termination.

Technology Services Errors & Omissions Liability

This policy protects specific types of businesses that provide their customers with technology services. This coverage can help protect the insured from liability arising from mistakes, whether real or alleged.

State Farm can help with you property and liability, commercial auto, workers compensation, health, life insurance and retirement plan needs.


This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all businesses and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.

Professional Liability insurance is available through State Farm for a limited number of professions. The coverages described in this material are not related to professional liability insurance.

Medical Office insurance is not available in Massachusetts or Rhode Island.

Identity Restoration and Data Compromise not yet available in Rhode Island.

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