Professional Liability
Complete liability protection that safeguards your property and guests from unexpected incidents, giving you the confidence to run your business while knowing your professional interests are thoroughly covered.
We deliver expert coverage that addresses the complex risks facing today's professionals.
With over 25 years of dedicated experience protecting professionals across industries, our expert advisors bring comprehensive understanding of liability exposures and regulatory requirements to every client engagement. We work collaboratively to develop tailored insurance solutions that shield against professional errors, negligence claims, and contractual disputes while staying ahead of emerging risks and industry changes. Our commitment to providing ongoing guidance ensures your practice maintains sophisticated protection as your services and client relationships expand.
Our certified insurance specialists work with professional service providers ranging from solo consultants to large advisory firms. We maintain constant awareness of professional conduct standards, regulatory requirements, and emerging liability exposures to anticipate potential challenges. This deep industry knowledge enables us to deliver comprehensive coverage solutions protecting against negligence claims, contractual disputes, and client confidentiality breaches.
We go beyond standard liability coverage to deliver specialized protection tailored to your professional practice. Our policies cover everything from errors and omissions to negligence claims, and from professional misconduct to breach of duty, ensuring your business operations remain protected without any coverage gaps.
Hear from our customers
%20(1).png)
Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
.png)
My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
.png)
Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
.png)
TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
.png)
Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Legal representation coveragefor professional negligence claims, including attorney fees, court costs, and settlement negotiations during liability proceedings.
• Expert witness protectionfor testimony expenses, including specialist consultations, evidence preparation, and professional expert witness fees.
• Settlement negotiation coveragefor mediation processes, including arbitration costs, settlement discussions, and resolution facilitation services.
• Investigation expense protectionfor fact-finding activities, including document collection, witness interviews, and evidence gathering related to claims.
• Service delivery mistakesin professional activities, including documentation errors, procedural oversights, and implementation failures across client projects.
• Advisory service protectionfor consultation errors, including incorrect recommendations, flawed strategy development, and improper guidance to clients.
• Project management coveragefor timeline failures, including missed deadlines, resource allocation mistakes, and delivery coordination errors.
• Communication error protectionfor misunderstandings with clients, including incorrect instructions, unclear documentation, and incomplete information sharing.
• Cybersecurity incident coveragefor data breaches, including unauthorized access, system infiltrations, and client information compromises.
• Privacy violation protectionfor confidential information handling, including accidental disclosures, unauthorized sharing, and improper data storage.
• Digital asset coveragefor electronic information losses, including corrupted files, data transmission errors, and system backup failures.
• Regulatory compliance protectionfor data handling requirements, including GDPR violations, HIPAA breaches, and security standard non-compliance.
• Contractual obligation coveragefor service agreement breaches, including performance failures, scope deviations, and deliverable quality issues.
• Intellectual property protectionfor content-related errors, including copyright infringement, trademark violations, and unauthorized material usage.
• Business interruption coveragefor service disruptions, including system failures, equipment breakdowns, and operational process interruptions.
• Professional conduct protectionfor ethical violations, including conflict of interest issues, confidentiality breaches, and professional standard infractions.
On average, Professional Liability insurance costs around $3,500 annually; however, individual premiums vary based on several factors:
Prior claims significantly impact premium calculations, with firms having multiple malpractice incidents in recent years facing substantially higher rates.
Practices with certified specialists and advanced degree holders often receive preferential rates due to demonstrated expertise and risk management capabilities.
Firms operating in litigious regions like California or New York typically face higher premiums due to increased lawsuit frequency.
Implementation of documented quality control procedures and client screening processes can significantly reduce premium costs through risk mitigation.
Practices serving high-risk sectors like financial institutions or healthcare providers generally encounter higher rates due to regulatory complexity.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Professional liability insurance generally covers negligence, errors in service delivery, omissions, and misrepresentation claims made against your business. Coverage extends to legal defense costs and settlements from covered claims. However, intentional wrongdoing, fraudulent acts, and criminal behavior are explicitly excluded. The policy must be active both when the work was performed and when the claim is filed. Regular documentation of services, client communications, and professional procedures helps support potential claims and risk management efforts.
Yes, independent consultants need professional liability insurance as they face the same risks as larger firms. One mistake could result in significant financial losses for clients and subsequent legal action. Coverage protects your personal assets and provides essential legal defense resources. The policy should match your specific services and contract requirements. Consider factors like project size, client industry, and contractual obligations when determining coverage limits. Maintain detailed records of all client engagements.
Professional liability coverage can extend post-retirement through tail coverage or extended reporting period provisions. This protection must be purchased before policy termination and typically covers claims arising from work performed while the policy was active. Coverage length varies by insurer, ranging from one to unlimited years. Consider your industry's claim patterns and statute of limitations when selecting duration. Maintain complete records of past work and client relationships to support potential future claims.
Start Your Coverage Today
Request a Free Quote
For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
