Professional Liability Insurance in Tennessee (Errors & Omissions Coverage)

General Liability Isn’t Enough for Professional Services

Professional Liability Insurance—also known as Errors & Omissions (E&O) insurance—protects your business from claims related to mistakes, negligence, or failure to deliver professional services as promised.



While General Liability covers bodily injury or property damage, Professional Liability covers financial losses tied to your work, advice, or services. If a client claims your error caused them money, this is the coverage that steps in.

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Protection Against Costly Claims

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Errors & Omissions

Claims alleging mistakes, oversights, or failure to perform professional duties.

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Negligence Allegations

Legal defense and settlements if a client claims your work caused financial harm.

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Legal Defense Costs

Attorney fees, court costs, and settlements—often the most expensive part of a claim.

What to Know About E&O Coverage

Professional liability policies are typically written on a claims-made basis, meaning coverage must be active when the claim is filed—not just when the work was done.



Common features include:

  • Custom limits based on profession and risk

  • Construction businesses generally need coverage with 1 or more employees

  • Industry-specific endorsements when needed

We’ll help ensure your coverage stays continuous and correctly structured.

Growing Demand in Middle Tennessee

With Nashville and surrounding areas seeing growth in consulting, technology, and professional services, more contracts now require Errors & Omissions coverage. We help Hendersonville-area professionals meet these requirements quickly so business isn’t delayed.

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Professional Liability Insurance FAQs

  • Is professional liability insurance required in Tennessee?

    It’s not legally required statewide, but many clients and contracts require proof of E&O coverage before work begins.

  • Does professional liability insurance cover legal defense costs?

    Yes, E&O policies typically cover attorney fees, court costs, and settlements related to covered claims.

  • What’s the difference between professional liability and general liability?

    General liability covers bodily injury and property damage, while professional liability covers financial losses tied to errors, advice, or services.

  • What happens if I cancel my policy and a claim is filed later?

    Because E&O is claims-made, coverage must be active when the claim is filed or you may need tail coverage to remain protected.

Not Sure If You Need Professional Liability?

We’ll review your services, contracts, and risk exposure to give you a clear answer.

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Protect Your Reputation and Your Business

One unhappy client or simple mistake shouldn’t undo years of work. Professional liability insurance helps protect your finances, your reputation, and your future.