Compare Professional Liability Insurance Quotes

Compare professional liability insurance quotes with Spot

Claims-made timing, scheduled services and defense terms vary more than price does, so Spot puts them next to each other for you.

Compare quotes from 45+ professional liability insurance providers

Get StartedHow It Works

Claims-made timing and retroactive dates side by side
Scheduled services checked against what you actually sell
Keep your broker or switch, with no commissions on premiums

A consultant marks up a printed client report at a standing desk.

How it works

Share the quotes and your current policy

Send proposals and your expiring professional liability policy. The current retroactive date is the baseline everything else is measured from.

Juniper ConsultingOrganized by Spot

We line up timing and services

Spot compares whether each quote is claims-made, its retroactive date, and which services and people it schedules against what you sell.

Professional errors and omissions (E&O) insurance

Juniper Consulting · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Raise your open questions

Ask your Spot team how a quote treats earlier work, known circumstances or a client’s contract. They take the answer back from the broker.

SamJuniper Consulting

Can you help compare our professional errors and omissions (e&o) insurance options?

Let’s prepare the information for your broker and compare the terms, not just the price.

Professional errors and omissions (E&O) insurance policy

Coverage terms · Limits

Choose and bind

Pick the quote that keeps earlier work covered and fits your client contracts. Your Spot team helps you bind and sends proof of coverage when a client asks.

Insurance documents

Quote comparison

Professional errors and omissions (E&O) insurance

Professional services · Claims-made terms

Juniper Consulting

What to compare

01
Claims-made or occurrence
When a claim must be made and reported, and whether an occurrence form is offered instead.
02
Retroactive date
Whether work you did before the policy starts is covered. A new start date alone doesn’t carry your history forward.
03
Extended reporting period
Time to report later claims about earlier work if you change insurers or stop buying the coverage.
04
Scheduled professional services
The work named in the quote. It should match what you sell and the people who perform it.
05
Defense and settlement terms
Whether the insurer has a duty to defend, whether defense costs reduce the limit and what consent to settle requires.
06
Limits and retention
The each-claim limit, the aggregate and the deductible or retention.
07
Exclusions
How bodily injury, property damage, dishonest acts, intellectual-property claims and confidential-information failures are handled.

Differences to watch for

01
A retroactive date that resets
Switching insurers can move the date forward and leave earlier work uncovered unless you check it.
02
Services described too narrowly
A quote that schedules only part of what you sell may not respond to a claim about the rest.
03
Known circumstances
Matters you know about but haven’t reported may need disclosing. Sorting that out before you bind avoids disputes later.
04
Technology work inside a professional form
If you also deliver software or hosted services, ask whether the quote includes a technology E&O form.