Professional services insured
Make sure the policy description matches every service you perform. New specialties, subcontracted work and online services need discussion.
Errors & Omissions Insurance in Naples and Southwest Florida
When a client says your advice, work or missed deadline caused a loss, the details of your professional liability policy matter. PRK helps Naples and Southwest Florida service businesses review those details before a claim.
Based in Naples · Serving Southwest Florida · Personal guidanceWhat to compare in your e&o coverage
Use these points to compare the protection, conditions and costs behind the quote.
Alleged mistakes and omissions
Review claims alleging negligent advice, errors or failure to provide covered professional services. The allegation and policy definition matter.
Defense and settlement
Compare covered legal costs, settlement terms and the retention. Ask whether defense expenses reduce the amount available for damages.
Claims-made timing
Review when a claim must be made and reported, the retroactive date and continuity of cover. A new policy may not cover earlier work automatically.
Contracts and client requirements
Share indemnity, insurance and limit requirements before agreeing to them. Contractual promises can be broader than the available insurance.
Exclusions and related risks
Review exclusions for particular services, guarantees and known circumstances. Cyber and general liability may address different parts of the operation.
Before you choose a policy
Describe your work in the client’s terms
Explain the advice, deliverables and decisions clients rely on. Share a typical contract, the types of clients served and where services are delivered. A generic job title may not describe the full exposure.
Protect continuity when changing insurers
Before canceling a policy, review retroactive dates, known circumstances and any extended reporting options. Ask how completed work and claims reported after the policy ends would be treated. Notify the insurer according to the current policy’s terms.
What to have ready for your quote
Start with what you have. We can help identify any missing information.
- Services, qualifications, client types and operating territory
- Revenue by service and any subcontracted work
- Sample contracts and client insurance requirements
- Current declarations, retroactive date and prior coverage
- Claims, known circumstances and renewal deadline
From your first question to your policy
- Describe your operationShare the business activities, people, property and any contract deadline.
- Compare the available optionsReview limits, deductibles, exclusions and any documents the insurer needs.
- Confirm the details before cover startsComplete the required steps and confirm the effective date before relying on the policy.
A Naples team serving Southwest Florida
PRK Insurance Florida serves Naples, Bonita Springs, Estero, Fort Myers and Marco Island from our Naples office. Our Florida location opened in 2026; the PRK team’s insurance experience dates to 2004.
Contact our team
999 Vanderbilt Beach Rd Ste 300
Naples, FL 34108
239-799-5884 · Contact PRK
Questions before you buy
Is E&O the same as general liability?
No. E&O concerns covered professional-service allegations; general liability addresses different categories such as certain injury and property-damage claims.
Can coverage include work already completed?
That depends on the policy, retroactive date, prior knowledge and reporting terms. Review prior work explicitly rather than assuming it is included.
What does an extended reporting period do?
It can provide additional time to report qualifying claims under specified terms. It does not automatically extend coverage to new work; review the actual option with the insurer.
Let’s review your e&o insurance
Share your current coverage, what has changed and when you need protection. Our Naples team will help you understand the available next steps.
Coverage, availability and eligibility depend on the insurer and policy. A quote request does not bind coverage; confirm your effective date and policy terms with our team.