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Business and Professional Liability Insurance

When least expected, a small business may be subjected to a professional liability lawsuit. These suits may claim that you've been negligent or made an error or omission while performing your services. Liability damages may cost hundreds of thousands of dollars.

Professional liability insurance from State Farm® can help you and your firm pay defense costs and judgments that come from claims of professional negligence, error, or omission.

To learn more about our business and professional liability insurance, please contact a State Farm agent.

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Or call 844-242-1899844-242-1899 for a quote.

Commercial Liability Umbrella Policy

Your business liability insurance can help protect you from lawsuits up to a certain limit — but is it enough? It may take only one substantial judgment or settlement to put your financial future at risk. A State Farm Commercial Liability Umbrella Policy can provide the extra financial protection your business needs. Available in $1 million increments, it offers broad coverage at a sensible price.

Professional Liability

You never know when an unhappy client might file a lawsuit claiming you've been negligent or made an error or omission while performing your professional services. Fortunately, you can minimize financial hardship and help protect your future with a State Farm Professional Liability policy. We offer coverage designed specifically for:

  • Architects and engineers
  • Accountants and related businesses
  • Dentists

In addition, State Farm Business Owners Policies offer property, general liability, and professional liability protection as a convenient package for businesses such as:

And more, such as Cemetery, Funeral Director, Hearing Aid Specialists, Notary Public, and Opticians Professional Liability. Talk to a State Farm agent today to choose the policy options that best meet your specific needs.

Errors and Omissions Liability

Mistakes happen. But even an innocent error on your part could lead to a client bringing a lawsuit against you for negligence. A State Farm Errors and Omissions Liability policy can help you and your company pay for legal judgments or settlements. It also covers defense costs, which can be substantial even if you're not found liable.

We offer coverage for a wide variety of professional services such as real estate professionals, technology consultants, web designers, management consultants, computer programmers, marketing consultants and many more.

Employment Practices Liability Insurance (EPLI)

If you run a business, you face a risk of being sued by an employee or applicant for discrimination, wrongful termination, or sexual harassment. Damages can include compensatory awards, not just lost wages — and these allegations aren't covered by most general liability policies. A State Farm EPLI policy can help protect you and your business in the event of wrongful employment practice claims.

EPLI policyholders will be given access, at no additional cost, to a human resources loss prevention website and employment advice helpline.

Not-for-Profit Organization Liability with EPLI

Nonprofits aren't immune from liability, harassment, discrimination, or wrongful termination lawsuits — and even if the court decides in your favor, you could be stuck with a substantial legal defense bill. A State Farm Not-for-Profit Organization Liability policy, which includes EPLI, can help protect your organization from these claims. It also covers your nonprofit's directors, trustees, officers, employees, committee members, and volunteers.

EPLI policyholders will be given access, at no additional cost, to a human resources loss prevention website and employment advice helpline.

Condo and 币圈是什么意思homeowners Association Directors and Officers Liability with EPLI

We offer coverage to help protect the policyholder from three serious types of liability claims:

  • Directors & Officers Liability (an act, error or omission, misstatement or misleading statement, neglect or breach of duty by the Organization or by the Individual Insureds)
  • Discrimination Against a Third Party (someone who is not an employee or applicant for employment)
  • Wrongful Employment Practice (including discrimination, harassment, employment termination and retaliation)

State Farm can help you with business owners policy, commercial auto, workers compensation, health, life insurance and retirement plan needs.


This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

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