Professional Liability Insurance

ATI offers comprehensive Professional Liability Insurance policies to Georgia residents at the State's most affordable prices.

ATI insurance agents bilingual spanish english chinese korean speaking

Why Choose ATI Professional Liability Insurance

If you work with clients, then you have a responsibility to protect yourself and your clients when things go wrong. Professional liability insurance, also known as Errors & Omissions coverage in some industries, pays for legal fees and damages when a legal claim is made against your company. Some states require professional liability insurance for certain practices, like legal and medical, where coverage is often called malpractice insurance.

In these cases, a client might claim that they suffered financial distress because of mistake you made (errors) because you failed at performing your service (omissions). Furthermore, professional liability insurance only covers the costs associated with civil lawsuits, it does not cover any damages from criminal charges.

Get Quote

Who needs professional liability insurance?

Any professional who works with clients should purchase a professional liability policy. This includes:

  • Medical professionals
  • Attorneys
  • Real Estate Agents
  • Architects
  • Consultants
Get Quote
medical professional agents consultants lawyers
medical professional agents consultants lawyers

Who needs professional liability insurance?

Any professional who works with clients should purchase a professional liability policy. This includes:

  • Medical professionals
  • Attorneys
  • Real Estate Agents
  • Architects
  • Consultants
Get Quote
professional liability insurance

What does professional liability insurance cover?

Unless written explicitly in a professional liability policy, there are many liabilities under civil law that may not be covered. However, there are claims that are traditionally covered in all professional liability insurance policies, which include:

Under civil law, negligence is when a professional failed to provide a reasonable amount of care to his or her client, which resulted in personal injury. For example, if a psychiatrist failed to provide proper medication for psychosis, and the client suffered a damaging episode, that’s negligence.

This occurs when the professional is accused of making a false statement of fact in order to obtain the client’s business. For example, if a project manager provides false proof of success with an exaggerated percent of growth, then that’s misrepresentation.

When you sign a contract with a client, it is implied that you will cooperate with that client to the fullest extent of your abilities and will not hinder your client’s performance by interfering. Doing so is a violation of good faith & fair dealing.

Providing inaccurate advice differs from misrepresentation because advice is usually not stated as fact. However, as a professional, clients rely on you to advise them based on your knowledge of the field. Failure to do so is considered providing in accurate advice.

Clients expect you to maintain their privacy, and in some professions, it is legally required. Breeching this privacy agreement is considered a privacy violation.

Get Quote

Professional Liability Insurance Saves You Money

Even if you are not found responsible for damages during a civil suit, having professional liability insurance can still help your business pay expensive legal fees and other costs associated with the process. If you are found responsible, the coverage will help pay out damages, medical expenses, and other aspects of the settlement. Therefore, professional liability insurance helps save you money in the event that someone makes a claim against you regardless of the outcome.

Get Quote
professional liability insurance atlanta georgia businesses companies professionals
professional liability insurance atlanta georgia businesses companies professionals

Professional Liability Insurance Saves You Money

Even if you are not found responsible for damages during a civil suit, having professional liability insurance can still help your business pay expensive legal fees and other costs associated with the process. If you are found responsible, the coverage will help pay out damages, medical expenses, and other aspects of the settlement. Therefore, professional liability insurance helps save you money in the event that someone makes a claim against you regardless of the outcome.

Get Quote