Professional Liability Insurance that actually works for you.

Professional Liability — also known as Errors & Omissions (E&O) — is the core of your Pliable policy. It protects you when a client alleges that your professional services caused them financial harm due to a negligent act, error, or omission. This includes claims for bad advice, missed deadlines, failure to deliver, and mistakes in your work product.

Cyber Liability protects you from the financial fallout of data breaches, hacking, and other cyber events. If your business stores client data — names, emails, payment info — and that data is compromised, this coverage handles the costs of response, notification, and defense.

D&O coverage protects the personal assets of your company’s directors and officers when they’re sued for decisions made while managing the business. It covers claims alleging mismanagement, breach of fiduciary duty, or failure to comply with regulations.

Fiduciary Liability covers claims arising from your administration of employee benefit plans. If you sponsor a 401(k), health plan, or other benefits for your team, this protection covers allegations of mismanagement of those plans.

If your business activities involve publishing, broadcasting, or distributing content — including advertising — and someone claims defamation, invasion of privacy, or libel, this coverage protects you.

If a key employee is lost — temporarily or permanently — due to illness, accident, or disability, this coverage reimburses the costs of keeping your business running while you find or wait for a replacement.

EPLI coverage protects your business from claims made by employees or former employees alleging wrongful employment practices. This includes allegations of wrongful termination, harassment, discrimination, and related workplace issues.

This coverage protects you if a third party — such as a client or someone you interact with during your professional services — alleges discrimination based on a protected class.

This coverage pays defense costs if you face allegations of sexual offenses in the course of performing your professional services. It covers defense costs only — not damages or criminal proceedings.

If your business handles protected health information and you’re fined for violating HIPAA or HITECH regulations, this coverage pays the fines and penalties assessed against you.

Protects your business from internal theft, forgery, counterfeit currency, and employee theft of client property. When someone inside your organization causes a financial loss, this coverage responds.

If you unintentionally infringe on someone else’s copyright or trademark while performing your professional services, this coverage pays for your legal defense. This applies only to unintentional infringement.

If you use drones as part of your professional services — for photography, surveying, mapping, security, or other purposes — this coverage protects you if the drone causes bodily injury or property damage to a third party.

If an accidental pollution event occurs during your professional services — and your work didn’t involve pollutants — this coverage protects you. It covers the unexpected release of contaminants that happens incidentally to your work.

If a licensing board or regulatory body investigates you for professional misconduct, this coverage pays for the attorney and expert fees to defend you. It applies when the proceeding could impact your ability to practice.

When you’re subpoenaed for a deposition related to your professional services — even if you’re not a party to the lawsuit — this coverage pays for your legal representation at the deposition.

If you need to attend trial or arbitration at the underwriters’ request, this coverage reimburses your expenses and lost time — $250 per day, up to $5,000 aggregate. This is paid in addition to your policy’s aggregate limit.

If an officer, director, or employee has their identity stolen while acting in their role for your company, this coverage reimburses the costs of recovery — credit reports, loan reapplication fees, document replacement, and legal fees.

If an officer, director, or employee is accused of criminal or scandalous conduct, this coverage pays for rehabilitation counseling (upon acquittal), recruitment costs for replacing leadership, and image consulting to restore your company’s reputation.

If an officer, director, or employee is physically assaulted at your business premises (or traveling to/from), this coverage reimburses medical expenses and property damage. It also covers injuries from Good Samaritan efforts during emergencies.

If a key employee is diagnosed with an addiction that prevents them from performing their duties, this coverage reimburses the cost of their rehabilitation — registration, accommodations, and treatment at a licensed facility, up to the first two weeks.

If a key employee passes away while traveling internationally for work, this coverage reimburses the costs of returning their remains to the United States — including coffins, government clearances, and transportation.

When the CEO’s business travel is canceled and they’re stuck — this coverage reimburses meals, lodging, alternative transportation, clothing, and even emergency prescriptions after a 72-hour waiting period.

Reimburses the cost of calling an emergency locksmith to your principal place of business to repair, replace, open, or bypass any lock or security device — as long as the locksmith arrives within 2 hours.

Covers emergency plumbing at your principal place of business — leaks, floods, or unintended water flow that prevents you from operating. The plumber must arrive within 2 hours.

Reimburses emergency glass repair or replacement at your principal place of business — broken windows, glass doors, or other glass elements, plus temporary measures to secure the premises. Glazier must arrive within 2 hours.

Covers emergency heating, ventilation, or air conditioning repairs at your principal place of business. Temporary fixes to keep your business operational, pending full repairs. Contractor must arrive within 2 hours.

Covers emergency electrical repairs at your principal business location. When an electrical failure threatens your ability to operate, this coverage pays for the emergency response. Electrician must arrive within 2 hours.

Covers emergency roof repairs at your principal business location — temporary patches or covers over holes caused by natural or accidental events. Roofer must arrive within 2 hours.

After a plumbing, glazier, or HVAC emergency at your business, this coverage pays for outside contractors to clean up debris, refuse, sewage, or other materials. Cleanup crew must arrive within 2 hours.