ERGO NEXT tops MoneyGeek's Florida professional liability insurance rankings with strong customer service ratings, comprehensive coverage options and an intuitive digital experience. The insurer ties with The Hartford as the cheapest professional indemnity option at $78 monthly, $6 below the state average. The Hartford ranks second overall despite matching ERGO NEXT's rates. Simply Business and Coverdash follow as top errors and omissions insurance providers in Florida for business owners seeking additional quote options.
Best Professional Liability Insurance Florida
Find FL professional liability insurance starting at $30 per month from top providers like ERGO NEXT, The Hartford and Simply Business.
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Updated: January 21, 2026
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Professional Liability Insurance Florida: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Florida, while The Hartford delivers the most affordable coverage starting at $78 monthly (Read More).
Florida businesses pay an average of $84 monthly for professional liability insurance costs ($1,009 yearly), placing the state below national averages (Read More).
Professional liability insurance shields Florida businesses from financial losses due to professional mistakes, negligence claims, and missed contractual deadlines (Read More).
Florida does not mandate professional liability insurance for most businesses, though healthcare providers and certain licensed professionals face specific coverage requirements (Read More).
Getting multiple small business insurance quotes from different Florida providers ensures you secure appropriate coverage limits at competitive rates (Read More).
Best Professional Liability Insurance Companies in Florida
| ERGO NEXT | 4.73 | $78 |
| The Hartford | 4.61 | $78 |
| Simply Business | 4.52 | $83 |
| Coverdash | 4.46 | $84 |
| Nationwide | 4.45 | $89 |
| biBERK | 4.45 | $85 |
| Progressive Commercial | 4.40 | $81 |
| Hiscox | 4.37 | $83 |
| Chubb | 4.27 | $96 |
| Thimble | 4.25 | $83 |
How Did We Determine The Best Professional Liability Insurance in Florida?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN FLORIDA
Professional liability insurance represents just one piece of your business protection puzzle in the Sunshine State. Explore these additional Florida-specific guides for comprehensive coverage:
1. ERGO NEXT: Best Professional Liability Insurance in FL
pros
Tops MoneyGeek's Florida professional liability rankings overall
Ranks first nationally for customer service and digital experience
Get coverage in 10 minutes with instant certificates of insurance
Backed by A+ Superior AM Best rating through Munich Re
cons
Founded in 2016 with shorter track record than traditional insurers
Claims process ranks fourth nationally, indicating longer wait times
COMPANY HIGHLIGHTS
ERGO NEXT tops MoneyGeek's Florida professional liability insurance rankings with the highest customer service scores and a mobile app rated 4.9 out of 5 stars in Apple Store. Business owners in Miami, Tampa and Orlando can get E&O coverage in about 10 minutes with instant certificates of insurance. The insurer charges $78 monthly, $6 below the state average and tied for the cheapest rate among top Florida providers. An A+ Superior AM Best rating through Munich Re backs all policies.
2. The Hartford: Cheapest Professional Liability Insurance in FL
pros
Lowest professional liability rates in Florida at $78 monthly
Ranks first nationally for claims process satisfaction
A+ Superior AM Best rating with over 200 years of experience
Specialized E&O coverage for tech, legal and medical professionals
cons
Not available in Alaska or Hawaii
Digital experience ranks tenth nationally among competitors
COMPANY HIGHLIGHTS
The Hartford offers the cheapest professional liability insurance in Florida at $78 monthly, $6 below the state average. The insurer ranks first nationally for claims handling and overall customer satisfaction, making it a strong choice for Jacksonville consultants or Orlando tech firms that value fast reimbursements over app-based tools. Over 200 years of industry experience and an A+ Superior AM Best rating back every policy. Florida business owners who prefer working with agents will find The Hartford well-suited for their errors and omissions coverage needs.
3. Simply Business: Best Professional Liability Insurance Coverage Options in FL
pros
Ranks first nationally for coverage options across 16+ carriers
Backed by Travelers' A++ Superior AM Best rating
Compare multiple E&O quotes in 10 minutes online
Broker model finds coverage for hard-to-insure Florida businesses
cons
Claims process ranks eighth nationally, indicating slower resolution
Customer service ranks seventh with longer response times
Professional liability rates are higher than other providers
COMPANY HIGHLIGHTS
Simply Business leads MoneyGeek's rankings for professional liability coverage options by connecting Florida business owners with 16+ carrier partners through one application. This broker model helps Miami tech consultants, Orlando event planners and Jacksonville architects compare specialized E&O policies side-by-side rather than calling insurers individually. The approach works especially well for Florida's service-heavy economy, where niche professionals often struggle to find tailored coverage. Travelers' A++ Superior AM Best rating backs all policies at $83 monthly, just below the state average.
Average Cost of Professional Liability Insurance in Florida
Professional liability insurance costs in Florida range dramatically by industry. Home-based businesses pay the most affordable rates at around $40 per month, while mortgage brokers face the highest costs at approximately $178 per month. You can find specific rates for your industry using the filtering tool below.
Data filtered by:
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| Accountants | $160 | $1,923 |
| Ad Agency | $106 | $1,266 |
| Auto Repair | $89 | $1,069 |
| Automotive | $83 | $990 |
| Bakery | $57 | $682 |
| Barber | $47 | $564 |
| Beauty Salon | $53 | $639 |
| Bounce House | $63 | $756 |
| Candle | $45 | $546 |
| Cannabis | $133 | $1,594 |
| Catering | $86 | $1,038 |
| Cleaning | $58 | $700 |
| Coffee Shop | $67 | $799 |
| Computer Programming | $115 | $1,375 |
| Computer Repair | $67 | $806 |
| Construction | $83 | $1,000 |
| Consulting | $114 | $1,368 |
| Contractor | $69 | $828 |
| Courier | $54 | $654 |
| DJ | $48 | $581 |
| Daycare | $117 | $1,404 |
| Dental | $91 | $1,086 |
| Dog Grooming | $60 | $723 |
| Drone | $115 | $1,375 |
| Ecommerce | $66 | $797 |
| Electrical | $70 | $837 |
| Engineering | $114 | $1,371 |
| Excavation | $75 | $904 |
| Florist | $41 | $492 |
| Food | $119 | $1,428 |
| Food Truck | $64 | $764 |
| Funeral Home | $88 | $1,057 |
| Gardening | $44 | $528 |
| HVAC | $87 | $1,048 |
| Handyman | $59 | $704 |
| Home-based business | $40 | $483 |
| Hospitality | $79 | $950 |
| Janitorial | $54 | $654 |
| Jewelry | $66 | $797 |
| Junk Removal | $73 | $876 |
| Lawn/Landscaping | $56 | $673 |
| Lawyers | $158 | $1,891 |
| Manufacturing | $65 | $776 |
| Marine | $94 | $1,124 |
| Massage | $116 | $1,396 |
| Mortgage Broker | $178 | $2,138 |
| Moving | $88 | $1,057 |
| Nonprofit | $55 | $658 |
| Painting | $70 | $841 |
| Party Rental | $60 | $719 |
| Personal Training | $76 | $916 |
| Pest Control | $104 | $1,253 |
| Pet | $50 | $594 |
| Pharmacy | $63 | $760 |
| Photography | $69 | $832 |
| Physical Therapy | $101 | $1,213 |
| Plumbing | $98 | $1,176 |
| Pressure Washing | $62 | $750 |
| Real Estate | $135 | $1,621 |
| Restaurant | $86 | $1,037 |
| Retail | $60 | $715 |
| Roofing | $105 | $1,260 |
| Security | $110 | $1,322 |
| Snack Bars | $52 | $624 |
| Software | $104 | $1,252 |
| Spa/Wellness | $118 | $1,417 |
| Speech Therapist | $106 | $1,272 |
| Startup | $78 | $936 |
| Tech/IT | $105 | $1,261 |
| Transportation | $103 | $1,240 |
| Travel | $103 | $1,241 |
| Tree Service | $82 | $989 |
| Trucking | $119 | $1,433 |
| Tutoring | $66 | $787 |
| Veterinary | $126 | $1,512 |
| Wedding Planning | $83 | $999 |
| Welding | $84 | $1,010 |
| Wholesale | $66 | $793 |
| Window Cleaning | $67 | $808 |
How Did We Determine These Florida Professional Liability Insurance Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
What Does Florida Professional Liability Insurance Cover?
Florida professional liability insurance protects your business when clients claim you made mistakes or failed to deliver promised services. The coverage handles liability damages from these situations and pays for legal costs when you face lawsuits. This insurance goes by several different names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (specialized type, typically in legal and medical fields)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Florida?
Florida doesn't require professional liability insurance for most businesses, but contracts and clients often demand coverage. Standard limits of $1 million per occurrence and $2 million aggregate satisfy most contract requirements in the state. Healthcare providers are the exception: Florida Statute 458.320 mandates physicians carry minimum coverage of $100,000 per claim and $300,000 aggregate without hospital privileges, or $250,000 per claim and $750,000 aggregate with hospital staff privileges.
Who Needs Professional Liability Insurance in Florida?
Any Florida business providing professional services or advice to clients should consider professional liability insurance. The following industries carry significant negligence exposure and contract-based risks in the state.
Tech Professionals
Florida's technology sector ranks fifth nationally for job growth in professional and scientific services, driving demand for tech E&O insurance. Miami and Tampa tech consultants handling sensitive client data or software development risk costly claims if projects fail to meet specifications or cause financial losses.
Medical Professionals
Florida Statute 458.320 requires physicians to maintain malpractice coverage as a condition of licensure, with minimum limits of $100,000 per claim for non-hospital practitioners. The state's healthcare sector added 38,000 jobs in 2024 alone, making proper coverage essential for any medical professional treating Florida patients.
Real Estate Professionals
Florida ranked first nationally in real estate job growth, and agents handling property transactions risk claims for disclosure failures, contract errors or misrepresentation. While not mandated by state law, brokerages and clients often require errors and omissions insurance for real estate professionals before closing deals.
Construction Contractors
Florida's construction industry employs over 622,600 workers and contributes 6.5% of the state's GDP, creating significant liability exposure for builders. Contractors and engineers working on commercial or residential projects risk lawsuits for design errors, missed deadlines or work that fails to meet building code specifications.
Financial and Consulting Professionals
Financial advisors and consultants in Florida's $208 billion professional services sector provide guidance that directly impacts client investments and business decisions. A single recommendation leading to financial losses can trigger expensive litigation, making E&O coverage critical for Miami wealth managers or Orlando business consultants.
Hospitality and Event Professionals
Florida welcomed nearly 143 million tourists in 2024, creating unique liability exposure for event planners, tour operators and hospitality consultants across the state. A cancelled event, missed vendor contract or planning error in Orlando or Miami Beach can result in costly claims from disappointed clients.
How to Get the Best Professional Liability Insurance in Florida
Our step-by-step guide walks you through how to get business insurance in Florida that matches your professional liability needs and budget. These steps help you compare carriers, coverage options and costs specific to your industry.
- 1Assess your professional liability insurance coverage needs
Start by evaluating your business risks and any client or contract requirements you must meet. A Miami software developer working with enterprise clients needs different coverage limits than a Jacksonville freelance bookkeeper serving local small businesses.
- 2Work with a local agent
Find an agent who understands Florida's business landscape and knows how business insurance costs vary across industries and regions. Local agents can explain whether your Tampa consulting firm requires different coverage than similar businesses operating in South Florida's competitive market.
- 3Get quotes and compare coverage details
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like exclusions and deductibles. An Orlando IT consultant should examine coverage differences, not just premium costs, when evaluating $1 million liability policies from different carriers.
- 4Research the best providers
Look beyond price when researching professional liability insurers for your Florida business. Check AM Best ratings for financial stability, read customer reviews and verify the insurer has experience covering your specific industry.
- 5Consider bundling discounts
Many Florida insurers offer lower premiums when you combine professional liability with other types of business insurance coverage like general liability or a business owner's policy. A Fort Lauderdale marketing agency, for example, could save 10% to 15% by bundling E&O and general liability coverage with the same carrier.
- 6Don't let your coverage lapse
Professional liability policies cover claims filed only while your policy is active, even if the work occurred years earlier. A Tampa consultant switching carriers should ensure the new policy covers prior acts or purchase tail coverage (extended reporting coverage that protects against claims filed after a policy ends) from the previous insurer.
Get Florida Professional Liability Insurance Quotes
MoneyGeek matches Florida business owners with professional liability insurance providers who specialize in your industry. Use our tool below to find top-rated carriers and get quotes tailored to your coverage needs.
Get Matched To The Best FL Professional Liability Insurer For You
Select your industry and state to get a customized FL professional liability insurer match and get tailored quotes.
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Florida Professional Liability: Bottom Line
Finding the right professional liability insurance in Florida means understanding your business risks and choosing a provider that fits your budget. ERGO NEXT earns our top rating, but your industry, client contracts and coverage needs should guide your final decision. Assess your requirements, then work with a local agent to compare options and secure coverage that financially protects your Florida business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.