Professional Liability Insurance, Smart Protection for Your Expertise
When your career depends on your advice, decisions, or services, even the smallest mistake can become a major liability. At Combs & Company, our professional liability insurance solutions are built to protect professionals like you—consultants, advisors, licensed experts, and business owners—against claims of negligence, mistakes, or failure to perform. Whether you're working solo or as part of a growing firm, we help safeguard your reputation, finances, and future.
We make the process of securing professional liability insurance easy, transparent, and tailored to your unique risks—because no two professionals face the same exposures.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
Why Professional Liability Insurance Matters More Than Ever
Every service-based professional is vulnerable to legal action, even if they haven’t done anything wrong. One oversight, misunderstood communication, or error in judgment could trigger a costly legal battle. That’s where professional liability insurance becomes not just useful—but essential.
At Combs & Company, we work with individuals and companies across dozens of industries to design customized professional liability policies that:
- Cover legal defense costs—even if the claim is baseless
- Provide financial protection for settlements or judgments
- Protect against claims of errors, omissions, or negligence
- Address gaps not covered by your employer’s insurance

We take pride in translating insurance jargon into clear, actionable guidance—so you know exactly what you’re getting and how it protects you.
Can an Individual Get Professional Liability Insurance?
Yes—individuals can absolutely get professional liability insurance, and in many professions, they should.
Whether you're a freelance consultant, healthcare provider, financial advisor, or creative professional, being covered individually ensures that you’re protected even when employer policies fall short or don’t apply to independent work.
Individual professional liability insurance typically includes:
- Legal defense and attorney fees
- Claim investigation and settlement negotiation
- Protection for malpractice, misrepresentation, or service errors
At Combs & Company, we simplify the process of getting individual coverage that fits your profession, risk tolerance, and budget—without unnecessary complexity.
What Is an Example of a Professional Liability Claim?
Let’s say a marketing consultant recommends a campaign strategy that unintentionally results in a client’s revenue loss. Even if the advice was well-meaning, the client could claim negligence and sue for damages. That’s a textbook case where professional liability insurance steps in—covering legal defense, expert witnesses, and potential settlement costs.
These types of claims aren’t limited to consultants. Professionals in fields like law, IT, healthcare, real estate, and finance are equally exposed. Without professional liability insurance, the personal and professional fallout from a single claim could be devastating.
Who Needs Professional Liability Insurance the Most?
Professional liability insurance is essential for any individual or business that provides a service or offers expert advice. You may need it if you:
- Work as an independent contractor or consultant
- Provide advice, designs, or recommendations
- Offer services where mistakes could cause financial loss to a client
- Are not fully covered by an employer’s insurance policy

At Combs & Company, we serve a wide range of professionals—from healthcare practitioners and financial advisors to marketing agencies and architects. Our deep industry knowledge means we can tailor a policy to meet your profession’s exact needs.
Why Choose Combs & Company for Professional Liability Insurance?
With more than 20 years of experience and over 15,000 clients served, Combs & Company isn’t your average brokerage. We go beyond quoting policies—we educate, advocate, and simplify. Here's what sets us apart when it comes to professional liability insurance:
- Industry-Specific Expertise: We’ve worked with professionals in law, healthcare, finance, tech, creative services, and more.
- Clear, Honest Communication: We break down complex terms so you feel confident in your decisions.
- Tailored Risk Solutions: Your work is unique—your coverage should be too.
- National Reach, Boutique Service: From our NYC headquarters, we serve clients across the U.S. with personalized, concierge-level attention.

When you work with Combs & Company, you're not just buying insurance—you’re gaining a risk advisor and ally.
How Do You Benefit Long-Term from Professional Liability Insurance?
Beyond protecting you during a claim, professional liability insurance offers peace of mind that can transform how you do business. With the right coverage:
- You can confidently take on bigger clients or projects.
- You protect your brand, reputation, and financial future.
- You avoid reactive, last-minute insurance decisions that cost more and cover less.
- You gain a professional advantage—showing clients you take accountability seriously.

Working with Combs & Company means you're not just reacting to risk—you're managing it proactively, with expert guidance and dependable coverage.
FAQs About Professional Liability Insurance
What does professional liability insurance cover?
Professional liability insurance covers the costs associated with claims of negligence, errors, omissions, or failure to perform professional duties. This includes attorney fees, court costs, settlements, and judgments stemming from such claims. It’s critical for service providers who could be sued for mistakes or oversights in their work.
Is professional liability insurance required by law?
While not legally required in all professions, certain industries and contracts may mandate proof of professional liability coverage. Even if not required, many professionals carry it as a proactive measure to protect their assets and reputation.
Does professional liability insurance cover intentional wrongdoing?
No—professional liability insurance is designed to cover unintentional mistakes, errors, or negligence. It does not cover criminal acts, intentional harm, or fraudulent behavior. Insurers will investigate claims to determine if they fall within the scope of coverage.
How is professional liability different from general liability insurance?
General liability covers physical risks like property damage or bodily injury, while professional liability insurance covers financial risks related to your advice or services. For example, if a client slips in your office, general liability may respond; if a client sues over poor advice, professional liability would apply.
How do I get started with Combs & Company?
Getting started is easy. Just schedule a free consultation with our team. We’ll learn about your profession, identify risks, and help you choose the right professional liability insurance policy—no jargon, no pressure, just smart protection.
Ready to protect your professional reputation and gain peace of mind?
Let’s make it happen. Schedule your consultation with Combs & Company today and discover the smarter way to manage your risk.
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