Maryland Professional Liability Insurance coverage

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Professional Liability Insurance coverage

Professional Liability Insurance

What is Professional Liability Insurance?

Professional liability insurance helps cover you and your company if you are found negligent in the professional services you provided. For example, if you make a clerical error that costs a client thousands of dollars or if you work as a photographer and accidentally damage a client’s wedding photos. These situations could have costly legal repercussions. Professional liability insurance will help cover the costs and fees associated with the incident.

Who Needs Professional Liability Insurance?

Many types of businesses need professional liability insurance, which is also known as errors & omissions, or E&O insurance. If you work directly with customers by providing services, you should definitely consider a professional liability insurance policy. Here are some examples of how certain businesses can benefit from professional liability insurance.

  • Allied Healthcare Professional and General Liability

    Our product targets over 40 allied healthcare professionals and entities including physical therapists, mental health counselors, social workers, day spas/massage therapists and home health aides. Separate claims-made professional and occurrence-based general liability limits include duty to defend wording, punitive damages coverage and an optional patient molestation defense sublimit. Limits are offered up to $1,000,000/$3,000,000 with the option to purchase stand-alone professional. Minimum premiums start at $425.
  • Cyber Liability and Data Security

    Our product targets small businesses with up to $25,000,000 in annual revenues. We provide four coverage parts each with its own separate limit of liability that includes data breach liability, security breach liability, defense of regulatory proceedings, payment card industry (PCI) fines and penalties, data breach expense, cyber extortion threat expense, website liability, and identity theft. Minimum premium for all four coverage parts starts at $925.
  • Technology Professionals

    Technology is integral to the operation of most businesses today. When technology fails, the financial impact to a business can be significant, and the companies affected often sue their technology product or service providers over errors. Unfortunately, most traditional liability insurance policies are not designed to respond to pure financial claims. T. L. Brown Insurance Group can help protect against errors and omissions (E&O) risks for a broad array of technology companies, including those in the fields of:

    • Software & information technology
    • Hardware & electronics manufacturing

Personal Lines Insurance Agents

Our product targets both standard and non-standard personal lines agencies, including life insurance agencies with up to $10,000,000 in premium volume. Defense costs outside the limit, personal injury protection and automatic coverage for independent contractors are just a few of the coverage features.

Real Estate Professionals

T. L. Brown Insurance Group offers flexible, reliable errors and omissions liability insurance coverage (E&O) that can help protect a wide range of real estate firms against losses resulting from negligence, errors and omissions in the performance of their services. Designed for small and midsize businesses, this coverage is offered through our exclusive program manager.

Property Managers

Our unique form is tailored to meet the professional liability needs of both commercial and residential property managers. We offer three distinct coverages, each with a separate limit of liability: errors and omissions, tenant discrimination and employment practices liability. Our product offers coverage for up to 100 percent ownership interest in personally owned property. Premises preferred package is also available.

Specified Professions

Our product targets over 100 classes with up to $15,000,000 in receipts including most types of consultants, advertising agencies, claims adjusters, interior designers, landscape architects, employment agencies, event/meeting planners, tax preparers, bookkeepers, training specialists and tutors. Coverage highlights include defense costs outside the limit of liability, specific coverage for services provided by independent contractors and personal injury coverage for most risks. Other coverage options available for many classes include intellectual property, contingent bodily injury/property damage, a sublimit for defense-only sexual abuse/molestation allegations, a full prior acts buyback and the ability to package professional liability with general liability and business personal property.


T. L. Brown Insurance Group knows that no two law firms are alike. We understand that a smaller legal practice typically has different coverage needs than a much larger law firm. That's why T. L. Brown Insurance Group provides products that can be tailored by virtually any firm to meet their liability coverage needs.

  • Law Firms with Less than 20 Attorneys: Insurance coverage2 is offered through Target Professional Programs,1 a countrywide program administrator-managing general underwriter with years of experience handling professional liability coverage for attorneys.
  • Law Firms with 20+ Attorneys: T. L. Brown Insurance Group specialized team of underwriters offers professional liability insurance coverage on an excess basis to firms with more than 20 attorneys. With a reputation for superior service, all claims are adjusted by a licensed attorney with both private practice and insurance industry experience.

Accountants and Tax Preparers

Whether you are a Certified Public Accountant, tax preparer or bookkeeping firm, T. L. Brown Insurance Group offers small to midsize accounting firms protection from potential liability and malpractice claims. This coverage is administered by Target Professional Programs,3 a countrywide program administrator-managing general underwriter with experience handling professional liability insurance coverage.

Home Inspectors

T. L. Brown Insurance Group offers professional liability protection that can be customized by the home inspector with our exclusive program manager. With a wealth of knowledge and a strong track record of delivering high-quality insurance solutions, our team understands real estate risks. Most importantly, we can deliver highly personalized service to home inspectors and other real estate professionals.

Consultants and Other Professionals

Miscellaneous professional liability insurance coverage from T. L. Brown Insurance Group helps protect consultants and other professionals against errors and omissions that may arise from the professional services they provide to clients and other third parties.

MicroPro Professional Office Package

The product is designed for small firms with up to three professionals and up to $500,000 in revenue. It provides either a stand-alone professional liability or a professional preferred package option where professional liability, general liability and business personal property can be purchased together on one policy. Consultants and many other lower hazard classes including training specialists, residential interior designers, notaries and interpreters are targeted classes. The product is flexible and can be tailored to address the specific exposures presented by each individual risk through a variety of enhanced coverage options. Minimum premiums start as low as $650.

Our Partners

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