Do I need professional liability insurance in Cincinnati?

October 29, 2012

Professional Liability Insurance Cincinnati

Photo Credit: nkeppol (Creative Commons)

Operating your own business in Cincinnati is hard work and probably includes some level of risk, which is why all professionals should purchase professional liability insurance in Cincinnati.

Professional liability insurance protects professionals against financial losses from lawsuits filed against them by their clients. If you are a professional that operates your own business you will need professional liability insurance in addition to a business owners policy (BOP).

Why do I need professional liability insurance in Cincinnati?

As a professional, you are expected to possess extensive technical knowledge in your area of expertise and to perform the services for which you are hired according to the standards of conduct of your profession.

If you fail to perform at the level of skill expected in your profession, you may be held responsible by a court of law for any harm you may have caused another person or business. Settlements for these types of lawsuits can get very expensive, which is why having professional liability coverage in place is critical.

Does my business owners policy include professional liability insurance?

Professional liability insurance is a specialized type of coverage and, therefore, is not included in business owners policies, in-home business policies or homeowners endorsements.

If you are a professional in Cincinnati and need to purchase professional liability coverage, contact Burkhart Agency or get a free quote. We are an independent insurance agency who can help you compare rates and coverage options from several of the nation’s top insurance carriers and find the professional liability coverage that’s right for you.

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