Professional Liability Insurance from Brawner Insurance protects professionals from claims alleging errors, omissions, and negligence in their services. We help consultants, IT firms, advisors, and service businesses across Missouri, Iowa, Kansas, and Illinois find affordable E&O coverage from multiple top carriers.
A single mistake, oversight, or misunderstanding can lead to a Professional Liability claim — even if you did nothing wrong. Clients who believe your work caused them financial harm can file costly lawsuits that threaten your business, reputation, and livelihood. Defense costs alone can devastate a small practice.
As an independent insurance agency since 1992, Brawner Insurance helps professionals find the right Professional Liability coverage from multiple top carriers. We understand the unique risks of different professions and customize policies to your services, clients, and contract requirements.

From IT consultants and designers to accountants and real estate agents, Brawner Insurance helps Midwest professionals protect their practices with affordable Professional Liability coverage. Our independent agency advantage means we shop multiple carriers for the best rates.
Get a Free Quote →We will review your profession, services, and clients, compare quotes from multiple top carriers, and help you find affordable Professional Liability coverage — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
Professional Liability protects your practice from claims arising from your professional services. Here is what is typically covered.

Covers claims alleging mistakes, oversights, or failures in your professional services — protecting against lawsuits when clients claim your work caused them financial harm.
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Protects against claims that you failed to use the care and skill expected of your profession — covering legal defense and damages from alleged professional negligence.
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Covers claims alleging you breached your professional duty of care to clients — including missed deadlines, incomplete work, and failure to meet professional standards.
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Protects against claims of misrepresentation, inaccurate advice, or misleading statements in the course of your professional services — common in advisory and consulting businesses.
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Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.
Learn More →We tailor BOP coverage to your industry, size, and risk profile — every business is unique.
Talk to an Agent →Professional Liability and General Liability cover very different risks. Most professionals need both for complete protection.
Best for: people who need immediate income protection for temporary setbacks.
Best for: professionals who need to protect decades of future earning potential.
Most professional service businesses need both Professional Liability AND General Liability for complete protection.
Get Professional Liability Quote →We will review your profession, services, and client contracts to recommend the right Professional Liability coverage.
Get a Free Professional Liability Review →660-665-1687 · 660-754-1000
Understanding these key facts helps you choose the right professional liability protection.
Professional liability claims are rising across all industries. Consultants, tech firms, and advisors face the highest risk of E&O lawsuits.
Any professional who provides services, advice, or consulting for a fee needs Professional Liability — consultants, IT firms, designers, advisors, and more.
Professional liability claims can cost hundreds of thousands in defense and settlements — even when claims are groundless, defense costs alone can devastate a small business.
General liability policies exclude professional services errors — you need dedicated Professional Liability coverage to be protected from E&O claims.
Planning Tip: Do not wait for a claim to discover coverage gaps. Professional liability claims can arise at any time — having protection in place is essential for defending your professional reputation.
We learn about your profession, services, clients, and contract requirements to recommend the right Professional Liability coverage for your business.
We shop your Professional Liability across top carriers to find competitive pricing and the right coverage features.
We walk through coverages, limits, and exclusions in plain language — no insurance jargon.
We handle the application, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your profession, services, and client contracts so we can recommend the right Professional Liability policy.
We compare Professional Liability policies from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why business owners across the Midwest trust Brawner Insurance for BOP coverage.
"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."
"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."
"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."
Professional Liability Insurance (also called Errors and Omissions or E&O) protects professionals and businesses from claims alleging mistakes, oversights, negligence, or failures in their professional services. It covers legal defense, settlements, and judgments.
Any professional who provides services, advice, or consulting for a fee needs Professional Liability. This includes consultants, IT firms, designers, architects, accountants, real estate agents, financial advisors, and many other service professionals.
Professional Liability covers errors and omissions, negligence claims, breach of professional duty, missed deadlines, incomplete work, misrepresentation, and legal defense costs. It protects against claims that your professional work caused client harm.
Costs vary based on profession, revenue, services, and coverage limits. Small service businesses often pay $500-$3,000 annually for Professional Liability. Brawner Insurance compares quotes from multiple top carriers.
No — General Liability covers physical risks like bodily injury and property damage, while Professional Liability covers errors in professional services. Most professionals need both for complete protection.
Yes — as an independent insurance agency, Brawner Insurance shops Professional Liability coverage across multiple top carriers to find the right protection at a competitive rate. We work with businesses across Missouri, Iowa, Kansas, and Illinois.
Brawner Insurance helps professionals across the Midwest find affordable Professional Liability coverage from multiple top carriers — protecting against errors, omissions, negligence, and breach of duty claims.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
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