Professional Liability Insurance in North Carolina

Providing professional liability insurance solutions to residents in North Carolina and beyond.

Licensed States Jun 24

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Laurie Insurance Group

Professional Liability Insurance in North Carolina

What is professional liability insurance?

Anyone could make a mistake in their work, but mistakes aren’t all equal. A mistake made by a skilled professional could have severe and costly consequences. To help North Carolina professionals shield themselves from such risk, there’s professional liability insurance.

Professional liability insurance normally offers professionals who have expertise protection against potential mistakes. A policy might pay the costs arising from a covered error.

Professional Liability Insurance North Carolina
Professional Liability Insurance North Carolina

Who in North Carolina needs to have professional liability coverage?

Professional liability coverage may provide protection in most situations where a trained North Carolina professional applies their skill or knowledge. Coverage is required in many cases, and recommended in others.

Some examples of professionals who regularly get this coverage include:

  • Medical providers (doctors, nurse practitioners, nurses)
  • Other medical providers (dentists, optometrists, chiropractors)
  • Legal professionals (attorneys, mediators, paralegals)
  • Financial professionals (financial advisors, asset managers)
  • Real estate professionals (real estate brokers, agents)
  • Consultants (management consultants, marketing consultants)
  • Skilled trade workers (carpenters, electricians, plumbers, HVAC techs)

What are the main kinds of professional liability policies?

While most of the professionals listed should have professional liability coverage, their specific coverage needs are varied. In order to meet different fields’ varied needs insurance companies generally offer four main kinds of professional liability policies:

E&O policies are used across many industries where professionals mainly give advice. D&O policies are somewhat unique, in that they’re broadly for those in senior leadership positions regardless of industry. They might protect against situations where a decision or action negatively impacts the organization.

An insurance agent who specializes in professional liability coverage can help professionals find the right type of policy for their work.

Do employees get professional liability protection from their employer?

In many situations, employees are indeed covered by a professional liability policy that their employer carries. It’s important to confirm that an employer has a policy with sufficient protection, and many do.

It’s also important to know that an employer’s policy typically only provides coverage when doing work for the employer. Any work side work or charity work is unlikely to be covered by an employer’s policy.

Do independent contractors get professional liability from a hiring company?

Whether independent contractors are covered by a company that hires them depends on the company’s professional liability policy. Some companies may have policies that extend coverage to contractors that the companies hired, but this is far from a uniform practice. Many companies may not extend their coverage to contractors.

An insurance agent who knows professional liability well can will be able to review a situation, and help decide whether a hired contractor should have their own professional liability policy. The answer is often yes.

Professional Liability Insurance North Carolina

Is working completed online covered by professional liability?

Since many professionals have transitioned to remote work, most professional liability policies cover online services. There could be some exceptions, however, with certain policies not extending the same protections to online work. 

A policy’s specific terms should be reviewed with a knowledgeable agent, to check whether online work is covered by the policy.

How much does professional liability cost?

Premiums for professional liability policies vary a lot. Field of work, credentials, experience, and any previous claims are just a few factors that commonly impact cost, and each factor can have a large impact.

An independent insurance agent can check how much coverage would cost in a particular situation. Independent agents are able to request quotes from several insurance companies.

Laurie Insurance Group

Where can professionals working in North Carolina get professional liability insurance?

If you need help finding professional liability insurance in North Carolina, contact the independent insurance agents at Laurie Insurance Group. Our agents have worked with professionals in many different fields. They have the expertise and experience to make sure you find coverage that’s tailored for your line of work.

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