Professional Liability (E&O) Insurance in Orange & Lake County, FL
Protection for advisors, licensed professionals, and service firms in Orlando, Winter Garden, Windermere, Clermont, Minneola, Dr. Phillips, and nearby communities.
Start E&O QuoteWhat Is Professional Liability (E&O)?
Coverage designed to help defend and settle claims alleging negligence, errors, or omissions in your professional services—often required by contracts and engagement letters.
As a local, independent agency, Premier Group Insurance of Central Florida helps businesses across Orange and Lake County navigate retroactive dates, prior acts, contractual requirements, and extended reporting (tail) options. We match your practice to carrier forms and limits that align with client demands, lender or landlord wording, and your risk tolerance—so you can focus on doing great work.
Who We Insure
Tailored E&O for licensed professionals and advisory firms serving Central Florida.
CPAs, Bookkeepers & Tax Preparers
Complex filings, deadlines, and advisory services benefit from right‑sized limits and strong defense language.
Attorneys & Law Firms
From real estate to civil litigation, we consider areas of practice, claims‑made form nuances, and ERP (tail) needs.
Consultants, Marketing & Creative Agencies
Scope, deliverables, and IP exposures—pair E&O with cyber and contract wording that fits how you actually work.
Architects, Engineers & Design Professionals
Project contracts, additional insured requests, and long statutes—align retro dates and limits to project size.
Real Estate Brokers & Property Managers
Leasing, sales, trust funds, and tenant disputes—address contractual language and misrepresentation allegations.
Clinics & Allied Health
Outpatient, therapy, and staffing exposures—coordinate malpractice/E&O and HIPAA‑related cyber coverage.
Recommended Coverages
Build a smart, contract‑ready insurance stack for professional firms across Orange & Lake County.
Professional Liability (E&O)
Helps defend claims alleging negligence, errors, or omissions in your services. Choose limits and deductibles that reflect client contracts.
- Claims‑made form & retro dates
- Defense costs (inside vs. outside limits)
- Extended reporting (tail) options
Cyber Liability & Data Breach
Protects client PII and firm systems from ransomware, phishing, and fraudulent funds transfer—critical for any data‑handling practice.
- Incident response & notification
- Business interruption
- Social engineering options
General Liability
Slip‑and‑fall and premises‑related claims—not a substitute for E&O, but commonly required by leases and vendor agreements.
- Premises & operations
- Personal/advertising injury
- Additional insured & waivers
Property & Business Owners Policy (BOP)
Protect office contents, tenant improvements, and loss of income after a covered claim—often bundles with GL for better value.
- Business income / extra expense
- Equipment breakdown
- Ordinance & law options
Commercial Auto & HNOA
For firms with owned vehicles or teams driving personal cars on business across Central Florida.
- Hired & Non‑Owned Auto
- Symbol flexibility (varies)
- Rental & towing options
Umbrella & Excess Liability
Boosts underlying limits—often helpful when client contracts require higher total liability protection.
- Follow‑form considerations
- Underlying schedule requirements
- Higher limit options
Florida E&O Details to Get Right
A few nuances we regularly help Orange & Lake County firms navigate.
Retroactive Date & Prior Acts
Keeping continuous coverage preserves your retro date and protects prior work—critical for practices with long client relationships.
- Mind gaps at renewal
- Coordinate carrier changes
- Document prior acts clearly
Defense Costs & Settlement Clauses
Understand defense inside/outside limits and consent‑to‑settle language (hammer clause) before a claim ever happens.
- Panel vs. choice of counsel
- Deductible vs. SIR
- Client‑required wording
Extended Reporting (Tail)
When retiring, selling, or switching carriers, an ERP can maintain protection for past services after your policy ends.
- 1–5 year tail options
- M&A & dissolution scenarios
- Costs vary by class & tenure
Real‑World Claim Scenarios
Illustrative examples to show how policies may respond (details vary by carrier and form).
Tax Filing Error (CPA)
Client alleges a missed deadline caused penalties and interest. Policy helps pay for defense and, if applicable, settlement/judgment.
Missed Deadline (Law Firm)
Alleged failure to file within a statutory period. Coverage responds per terms, subject to retro dates and exclusions.
Configuration Issue (IT Consultant)
Systems downtime after a migration. E&O addresses service error allegations; pair with cyber for breach‑related costs.
IP Infringement (Marketing Agency)
Alleged unauthorized image use in a campaign. E&O and, in some cases, media liability endorsements may respond.
Serving Orange & Lake County
Contract reviews, proofs of insurance, and responsive guidance for local professional firms.
Orlando
Downtown offices & tech startups—align E&O and cyber with vendor security addenda and SOC‑type requirements.
- Higher limit options
- Third‑party contract wording
- Fast documentation
Winter Garden
Historic downtown and office parks—pair E&O with BOP and cyber.
- Landlord requirements
- Business income coverage
- Rapid proofs
Windermere
Advisory firms with high‑net‑worth clientele—tighten engagement letters and consider higher umbrella limits.
- Contract compliance
- Limit benchmarking
- Local support
Clermont
Growing professional suites—right‑size deductibles and limits to match revenue and client mix.
- Options for startups
- Prior acts handling
- Quote comparisons
Minneola
Family‑run service businesses—bundle E&O, GL, and BOP for value.
- Easy renewals
- Flexible payment options
- Helpful local team
Dr. Phillips
Professional offices and boutique firms—coordinate cyber controls and contract‑required endorsements.
- MFA & security best practices
- Primary & noncontributory (when applicable)
- Quick turnarounds
Why Choose Premier Group Insurance?
Local, independent, and responsive—ideal for busy partners, practice managers, and owners.
Local Expertise
We live and work here—so we understand Orange & Lake County contract practices, landlord wording, and client expectations.
Independent & Unbiased
We shop multiple A‑rated carriers and explain differences in forms, limits, deductibles, and defense provisions.
Fast, Dedicated Service
One point of contact for quotes, proofs, renewals, and claims—so you can stay focused on your clients.
Ready to Protect Your Professional Practice?
Partner with a responsive local team for E&O built around your contracts, clients, and goals.
Contact Us Get a Quote