✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Professional Liability Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Protect Your Practice from E&O Claims.

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.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Professional ProtectionE&O, negligence & defense
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Professionals Choose Brawner Insurance

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.

Professional Liability Insurance
All Serviceserrors, omissions & negligence covered
Defense+legal costs covered even for groundless claims
Since 1992serving Midwest professionals and advisors

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.

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Protect your practice from E&O claims.

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

Coverage Options

Professional Liability Through Brawner

Professional Liability protects your practice from claims arising from your professional services. Here is what is typically covered.

Errors and Omissions

Errors & Omissions

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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Negligence Claims

Negligence Claims

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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Breach of Duty

Breach of Duty

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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Misrepresentation

Misrepresentation

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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Defense Costs

Defense Costs

Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.

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Every Business Is Different

Build your policy.

We tailor BOP coverage to your industry, size, and risk profile — every business is unique.

Talk to an Agent →
Your Options

Professional Liability vs. General Liability — Which Fits You?

Professional Liability and General Liability cover very different risks. Most professionals need both for complete protection.

Option 1

Negligence Claims

  • Covers temporary disabilities of weeks or months
  • Benefits begin after 0-14 day waiting period
  • Typically pays for 3-12 months
  • Replaces 60-70% of income during recovery
  • Ideal for surgeries, childbirth, short illnesses
  • Often offered through employers or individually

Best for: people who need immediate income protection for temporary setbacks.

Option 2

Breach of Duty

  • Covers serious disabilities lasting years
  • Benefits begin after 90-180 day waiting period
  • Typically pays until age 65 or 67
  • Replaces 50-70% of income long-term
  • Ideal for chronic illness, serious injury
  • Most critical coverage for professionals

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.

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Not sure what coverage is right for you?

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

Key Facts

What You Should Know About Professional Liability

Understanding these key facts helps you choose the right professional liability protection.

Common Claims

Professional liability claims are rising across all industries. Consultants, tech firms, and advisors face the highest risk of E&O lawsuits.

Who Needs It

Any professional who provides services, advice, or consulting for a fee needs Professional Liability — consultants, IT firms, designers, advisors, and more.

High Costs

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.

Not Covered Elsewhere

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.

Our Process

How We Help You Choose

1

Review Your Situation

We learn about your profession, services, clients, and contract requirements to recommend the right Professional Liability coverage for your business.

2

Compare Carriers

We shop your Professional Liability across top carriers to find competitive pricing and the right coverage features.

3

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no insurance jargon.

4

Set Up and Support

We handle the application, paperwork, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

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Getting Started

How Professional Liability Works

1

Free Consultation

We start by understanding your profession, services, and client contracts so we can recommend the right Professional Liability policy.

2

Plan Comparison

We compare Professional Liability policies from multiple top carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Businesses Across Missouri, Iowa, Kansas & Illinois

See why business owners across the Midwest trust Brawner Insurance for BOP coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"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."

Alyssa Baker
★★★★★

"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."

Corey S
★★★★★

"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."

View All Reviews on Google →
Common Questions

Professional Liability FAQ

What is Professional Liability Insurance?

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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.

Who needs Professional Liability Insurance?

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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.

What does Professional Liability cover?

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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.

How much does Professional Liability cost?

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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.

Is Professional Liability included in General Liability?

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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.

Can Brawner Insurance help me find the right Professional Liability policy?

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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.

Protect your practice from E&O claims.

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

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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