Professional liability insurance covers claims that your professional services, advice, or work caused a client financial harm — even if the claim is unfounded. General liability insurance covers physical injury and property damage, but it does not cover claims arising from professional errors, missed deadlines, faulty advice, or failure to deliver promised results.
BUSINESS INSURANCE · WICHITA, KS
Professional Liability Insurance in Wichita, KS
Even the most careful professionals make mistakes. Professional liability insurance — also called errors and omissions (E&O) insurance — protects Wichita service businesses from the financial consequences of professional errors, omissions, and negligence claims.
What Is Professional Liability Insurance and Who Needs It?
If you provide a professional service — consulting, accounting, legal services, real estate, IT, design, healthcare, or any other knowledge-based service — professional liability insurance is an essential part of your risk management program. Jeremy works with multiple carriers to find the right E&O policy for your profession and practice size.
Wichita's growing professional services sector — including healthcare, engineering, architecture, legal, and financial services — makes professional liability insurance increasingly important for local businesses and independent practitioners.
What Professional Liability Insurance Covers
Errors & Omissions
Covers claims that a mistake, oversight, or failure to perform a professional service caused a client financial loss — including legal defense costs and settlements.
Negligence Claims
Covers allegations that your professional services fell below the accepted standard of care in your industry, resulting in harm to a client.
Missed Deadlines
Covers claims arising from failure to deliver work or services on time, where the delay caused financial harm to the client.
Breach of Duty
Covers claims that you failed to fulfill your professional obligations or duties to a client, resulting in financial damages.
Misrepresentation
Covers claims that inaccurate information or advice you provided led to financial harm for a client.
Legal Defense Costs
Covers attorney fees, court costs, and other legal expenses to defend against covered claims — even if the claim is ultimately dismissed or found to be without merit.
A Wichita Agent Who Works for You
As an independent agent, Jeremy Johnson isn't tied to any single insurance company. That means he can shop multiple carriers to find the coverage that genuinely fits your needs — not just what one company offers.
Independent agent — we compare E&O policies from multiple carriers to find the right fit for your profession and practice size. We understand the difference between occurrence and claims-made policies and help you choose correctly. We help you evaluate your prior acts exposure and ensure your retroactive date is properly set. We work with professionals across healthcare, legal, financial services, real estate, IT, consulting, and more. Local and accessible — Jeremy is right here in Wichita and available to answer questions about your specific situation.
Explore More Coverage Options
Business Owner's Policy
Core coverage for small businesses.
Cyber Insurance
Protect against data breaches and attacks.
General Liability Insurance
Third-party liability protection.
Common Questions
Frequently Asked Questions
What is the difference between professional liability and general liability insurance?
The right answer depends on your specific circumstances and the policy involved. Jeremy can compare the available options and explain the tradeoffs without pressure.
Is professional liability insurance required in Kansas?
Requirements depend on Kansas law, contracts, lenders, licensing rules, employees, and the work being performed. Jeremy can review your situation and confirm the coverage that applies.
What is a claims-made policy?
A claims-made policy generally responds when a covered claim is first made during the policy period, as long as the event occurred after the applicable retroactive date.
How much does professional liability insurance cost in Kansas?
Cost depends on the specific risk, coverage limits, deductibles, history, location, and carrier. As an independent agency, Jeremy can compare multiple options and show you what is driving the price.
Does professional liability cover intentional wrongdoing?
Coverage depends on the policy wording, limits, deductibles, endorsements, and facts of the claim. Jeremy can review the policy with you and identify any important gaps before a loss occurs.
How do I get a professional liability quote in Wichita?
Call Jeremy at (316) 201-6633 or request a free review online. He’ll gather the details, compare appropriate options, and explain the recommendation in plain English.
Let’s Review Your Coverage Together
No obligation. No pressure. Just an honest conversation about protecting what matters most.