Professional Liability Insurance in Temple, Texas

What Is Professional Liability Insurance?

Professional liability insurance—commonly called errors and omissions or E&O insurance—protects businesses and professionals from claims of negligence, mistakes, or failure to deliver promised services. Unlike general liability, which covers physical injuries and property damage, professional liability covers financial harm caused by your professional advice, services, or work product. For Temple consultants, contractors, and service providers, E&O coverage is essential protection.

Winkler Insurance helps Central Texas professionals find errors and omissions coverage tailored to their specific industry and risk exposure.

Why Temple Professionals Need E&O Insurance

Even skilled professionals face claims. Here's why professional liability coverage matters:

• Mistakes happen. A missed deadline, calculation error, or oversight can cost your client thousands—and they may sue to recover.


• Unhappy clients file claims. Even when you've done nothing wrong, defending against allegations is expensive.


• Contracts often require it. Many clients require proof of E&O coverage before signing agreements.


• General liability doesn't cover professional errors. Your GL policy excludes claims arising from your professional services.


• One claim can devastate your business. Legal defense and settlements can exceed $100,000.

Who Needs Professional Liability Insurance?

Any business providing professional services or advice should consider E&O coverage:

• Consultants and advisors


• Accountants and bookkeepers


• Real estate agents and brokers


• Insurance agents


• IT professionals and technology consultants


• Marketing and advertising agencies


• Architects and engineers


• Attorneys (legal malpractice)


• Healthcare providers (medical malpractice)

What Does Professional Liability Insurance Cover?

An E&O policy protects against claims of:

Negligence
Covers claims that you failed to use reasonable care in providing professional services.

Errors and Omissions
Covers mistakes you made or important information you failed to provide.

Misrepresentation
Covers claims that you provided inaccurate information or advice.

Breach of Contract
Covers allegations that you failed to deliver services as promised.

Defense Costs
Pays attorney fees, court costs, and expert witnesses even if claims are groundless.

How Much Does Professional Liability Insurance Cost in Texas?

E&O premiums depend on your profession, revenue, coverage limits, and claims history. Most Temple professionals pay $500 to $3,000 annually for adequate coverage. High-risk professions like healthcare, law, and financial services pay more. Winkler Insurance compares quotes from multiple carriers specializing in professional liability to find competitive rates.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas professionals protect their expertise with errors and omissions coverage. As an independent agency, we work with carriers that specialize in professional liability across many industries. Our Temple agents understand professional risks and find policies tailored to your specific practice.

Get a Professional Liability Insurance Quote in Temple, Texas

Our professional liability insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.