Professional Liability Insurance That Covers Your Advice, Service, or Expertise in Central Minnesota
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
When you provide advice, expertise, or specialized services, even a small oversight can lead to serious consequences. At Cornerstone Insurance, we help professionals across Central Minnesota stay protected with professional liability insurance that defends against claims of errors, omissions, or negligence.
Whether you're a consultant, contractor, advisor, or service provider, this coverage can help safeguard your reputation—and your business.
What Professional Liability Insurance Covers
Also known as errors and omissions (E&O) insurance, this policy covers claims involving your professional services—even if the claim turns out to be unfounded.
Errors or Omissions
Covers mistakes in work, missed deadlines, or services not delivered as promised.
Negligence Claims
Provides protection if you’re accused of failing to meet the professional standards of your industry.
Legal Defense Costs
Helps pay for attorney fees, court costs, settlements, and judgments—even if you're not at fault.
Client or Contractual Disputes
Covers you in disputes over work scope, deliverables, or unmet client expectations.
Who Needs Professional Liability Insurance?
If your work involves providing expertise, advice, or services for a fee, professional liability insurance is critical. We regularly help protect:
Consultants & Coaches
Accountants & Bookkeepers
Real Estate Professionals
Freelancers & Independent Contractors
Engineers, Designers, & IT Specialists
Other Service-Based Businesses Across Central MN
Even the most experienced professionals can be sued for honest mistakes. We help you plan for the unexpected, just in case.
Why It Matters
Because Even One Claim Can Disrupt Your Entire Business
You take pride in your work. But clients, contracts, and circumstances can shift quickly—and even a small miscommunication can lead to a costly legal issue.
At Cornerstone Insurance, we help you understand where your risk lies and build professional liability coverage around your actual exposure—so you can keep working with confidence.
- Custom-fit coverage for professional services
- Independent advice and local support
- Easy to add alongside general liability or commercial property coverage
Professional Liability FAQs
Is professional liability the same as general liability?
No. General liability covers physical risks like injuries or property damage. Professional liability covers service-based risks like errors, bad advice, or failure to deliver.
Is it legally required?
It depends on your industry. Even when not required, many contracts demand proof of coverage before work begins.
What’s the difference between E&O and professional liability?
They’re often used interchangeably. E&O is simply another name for professional liability insurance.
Does this cover me for past work?
It can—if your policy includes retroactive coverage. We’ll help you understand how to structure this protection.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.
Let’s Protect the Work You Stand Behind
You’ve built your business on skill, trust, and professionalism. Let Cornerstone Insurance Agency help you protect it—with professional liability coverage that’s responsive, local, and built around how you really work in Central Minnesota.