NEXT tops our best professional liability insurance rankings in Connecticut with competitive pricing and reliable customer support. The Hartford ranks second, while Simply Business claims third place.
Professional Liability Insurance in Connecticut
NEXT earns the highest score of 4.74 out of 5 in our analysis of the best professional liability insurance in Connecticut.
Get matched to the top professional liability insurance providers in Connecticut below.
Select your industry
Select state
Updated: December 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT is our top pick for professional liability insurance in Connecticut, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best Connecticut professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best professional liability insurance in Connecticut.
We studied insurers throughout Connecticut to identify which companies provide the best financial protection for businesses from new startups to well-established firms. We used a profile of a 2-employee business with $300,000 in annual revenue, $150,000 in payroll and a $1 million per occurrence and $2 million per year aggregate professional liability policy.
Our Scoring System
- Affordability (50%): Premium costs weigh most heavily because small businesses need strong coverage within tight budgets. MoneyGeek analyzed rates across Connecticut's professional services sectors to identify the most competitive pricing.
- Customer experience (30%): J.D. Power ratings and Connecticut Department of Insurance complaint records reveal how insurers handle claims and resolve problems. This factor reflects real customer interactions.
- Coverage options (15%): Policy flexibility matters for Connecticut's diverse professional services market. Our review examined exclusions, limits and endorsement availability across industries.
- Financial strength (5%): AM Best ratings confirm insurers can pay claims when professionals need coverage. We verified each company maintains strong financial reserves.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in Connecticut
| NEXT Insurance | 4.74 | $79 |
| The Hartford | 4.71 | $78 |
| Simply Business | 4.52 | $83 |
| Coverdash | 4.45 | $85 |
| Nationwide | 4.45 | $90 |
| biBERK | 4.44 | $86 |
| Progressive Commercial | 4.41 | $82 |
| Hiscox | 4.39 | $83 |
| Chubb | 4.26 | $96 |
| Thimble | 4.25 | $82 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Professional liability coverage alone won't fully protect Connecticut businesses from every financial risk. Understanding how different coverage types work together can strengthen your company's protection.
Best Connecticut Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for Connecticut businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Premium
$79These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up for Best Provider
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Premium
$78These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in Connecticut
The Hartford offers the cheapest professional liability insurance in Connecticut at $78 monthly ($936 annually). NEXT provides another affordable option for business owners, with monthly premiums starting at $79.
| The Hartford | $78 | $936 |
| NEXT Insurance | $79 | $951 |
| Thimble | $82 | $986 |
| Progressive Commercial | $82 | $988 |
| Simply Business | $83 | $998 |
| Hiscox | $83 | $1,000 |
| Coverdash | $85 | $1,018 |
| biBERK | $86 | $1,031 |
| Nationwide | $90 | $1,075 |
| Chubb | $96 | $1,156 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in Connecticut
Professional liability insurance costs $84 monthly ($1,014 annually) in Connecticut, which is $6 more than the national average. Home-based businesses pay around $41 per month, while mortgage brokers average $182. Rates also depend on your business location, claims history and coverage limits.
| Accountants | $156 | $1,877 |
| Ad Agency | $109 | $1,308 |
| Auto Repair | $90 | $1,081 |
| Automotive | $82 | $988 |
| Bakery | $59 | $706 |
| Barber | $47 | $568 |
| Beauty Salon | $53 | $635 |
| Bounce House | $62 | $750 |
| Candle | $45 | $545 |
| Cannabis | $136 | $1,626 |
| Catering | $85 | $1,021 |
| Cleaning | $58 | $699 |
| Coffee Shop | $65 | $778 |
| Computer Programming | $114 | $1,370 |
| Computer Repair | $68 | $812 |
| Construction | $83 | $995 |
| Consulting | $117 | $1,404 |
| Contractor | $69 | $830 |
| Courier | $55 | $661 |
| DJ | $49 | $590 |
| Daycare | $117 | $1,407 |
| Dental | $92 | $1,103 |
| Dog Grooming | $59 | $704 |
| Drone | $113 | $1,359 |
| Ecommerce | $66 | $787 |
| Electrical | $69 | $826 |
| Engineering | $114 | $1,372 |
| Excavation | $74 | $889 |
| Florist | $41 | $494 |
| Food | $120 | $1,443 |
| Food Truck | $65 | $783 |
| Funeral Home | $89 | $1,073 |
| Gardening | $44 | $534 |
| HVAC | $88 | $1,058 |
| Handyman | $58 | $701 |
| Home-based business | $41 | $487 |
| Hospitality | $82 | $983 |
| Janitorial | $54 | $651 |
| Jewelry | $66 | $794 |
| Junk Removal | $73 | $874 |
| Lawn/Landscaping | $56 | $672 |
| Lawyers | $161 | $1,937 |
| Manufacturing | $65 | $776 |
| Marine | $96 | $1,147 |
| Massage | $116 | $1,393 |
| Mortgage Broker | $182 | $2,188 |
| Moving | $89 | $1,068 |
| Nonprofit | $54 | $643 |
| Painting | $70 | $839 |
| Party Rental | $61 | $730 |
| Personal Training | $77 | $918 |
| Pest Control | $100 | $1,204 |
| Pet | $50 | $599 |
| Pharmacy | $62 | $750 |
| Photography | $70 | $841 |
| Physical Therapy | $103 | $1,241 |
| Plumbing | $97 | $1,164 |
| Pressure Washing | $62 | $750 |
| Real Estate | $137 | $1,642 |
| Restaurant | $90 | $1,085 |
| Retail | $60 | $722 |
| Roofing | $106 | $1,277 |
| Security | $109 | $1,309 |
| Snack Bars | $52 | $628 |
| Software | $102 | $1,226 |
| Spa/Wellness | $119 | $1,424 |
| Speech Therapist | $108 | $1,294 |
| Startup | $78 | $932 |
| Tech/IT | $105 | $1,265 |
| Transportation | $103 | $1,233 |
| Travel | $106 | $1,268 |
| Tree Service | $82 | $982 |
| Trucking | $121 | $1,458 |
| Tutoring | $65 | $783 |
| Veterinary | $125 | $1,495 |
| Wedding Planning | $84 | $1,008 |
| Welding | $85 | $1,015 |
| Wholesale | $66 | $795 |
| Window Cleaning | $69 | $826 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in Connecticut?
Professional liability insurance requirements vary by profession in Connecticut. Health care providers and attorneys must carry coverage, while most other professions have no legal mandate.
Your coverage amount should match your risk exposure and client contract requirements, regardless of state law. The standard baseline is $1 million per occurrence with $3 million aggregate limits, though your profession and client base may require higher amounts.
Three factors determine your coverage amount:
Your Industry Risk
Some industries in Connecticut carry greater liability exposure than others, affecting how much coverage you need. Accountants' professional liability risks in Middletown or real estate agents in smaller Connecticut towns are lower compared to those faced by technology consultants in Stamford's corporate corridor and architects designing major Hartford developments. Your industry's claim frequency and severity should guide your coverage amount selection.
Client Requirements
Many clients and contracts in Connecticut require proof of professional liability insurance at specific limits before you can begin work. Large corporations, state government contracts, and major organizations throughout Connecticut often set minimum coverage levels of $1 million to $2 million. Meeting these requirements is important for securing and maintaining business relationships in Connecticut's competitive market.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a lawsuit in Connecticut's legal environment. Small mistakes might result in claims of a few thousand dollars, while errors on larger projects could lead to six-figure damages plus legal fees exceeding $100,000. Consider both the scale of your typical projects and Connecticut's litigation costs when selecting coverage limits.
How to Get the Best Professional Liability Insurance in Connecticut
These steps help you find business insurance that fits your budget and supports your professional liability needs in Connecticut.
- 1Evaluate Your Business Risks
Liability risks vary widely across professions in Connecticut. A regional architecture firm usually requires more protection than a solo marketing consultant. Look at your client agreements and industry guidelines to choose limits that match your workload.
- 2Partner with Local Agents
Find an agent who understands Connecticut’s business environment and how business insurance rates shift by location and industry. They can recommend coverage that fits common local industries and client expectations. Their regional insight helps you avoid gaps.
- 3Compare Multiple Insurance Quotes
Request quotes from at least three insurers and look at cheap small business insurance options, policy exclusions, and deductibles. A $1,000,000 policy from one company may offer different protection than another, so compare details closely.
- 4Research Insurer Financial Strength
When reviewing business insurance options in Connecticut, check more than the price. Choose insurers with strong AM Best ratings and reliable claims-handling records.
Providers with experience in your profession are often better equipped to support you. Peer reviews also help identify dependable carriers.
- 5Explore Bundling Opportunities
Many insurers offer discounts when you pair professional liability with other small business insurance coverage types such as general liability or a business owner’s policy. Bundling lowers overall costs and keeps policy management simple. Ask agents about available packages.
- 6Maintain Continuous Policy Coverage
Professional liability works on a claims-made basis, meaning it covers only claims filed while your policy is active. Avoid gaps by securing prior acts coverage or buying tail coverage when switching insurers. Any lapse leaves you exposed to potential lawsuits.
How to Prevent Professional Liability Claims in Connecticut
Many professional liability claims in Connecticut stem from unclear expectations or poor communication, not major errors. Even small disagreements can lead to costly legal fees. These simple strategies help you prevent misunderstandings and reduce the risk of claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and project approvals. This documentation creates a clear record of agreements and decisions that can prevent disputes before they start. Having detailed records protects your business by showing exactly what was discussed and agreed upon.
Use Detailed Contracts With Clear Scope
Create contracts that clearly define your responsibilities, project timelines and specific deliverables. Include detailed descriptions of what work is included and what falls outside the project scope to avoid conflicts over additional tasks. Well-defined contracts set boundaries that protect both you and your clients.
Communicate Project Changes Immediately
Always confirm client-requested changes in writing before proceeding with any modifications to the original plan. Document how these changes will affect project timelines, budgets and final deliverables. This practice prevents misunderstandings and ensures everyone agrees to the new terms.
Set Realistic Expectations Upfront
Be transparent with clients about project timelines, potential challenges and expected results from the beginning. Honest communication about your capabilities helps avoid overpromising and reduces the likelihood of client dissatisfaction. Clear expectations create stronger professional relationships and fewer disputes.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional recommendations. These detailed records demonstrate your diligence and expertise if your work is ever questioned. Comprehensive documentation shows you followed proper procedures and made informed decisions.
Connecticut Professional Liability: Bottom Line
Professional liability insurance decisions in Connecticut begin with understanding your specific business risks. NEXT leads our rankings, but your industry, client contracts and budget matter most. Assess your coverage needs first, then work with a local agent to compare options that deliver solid financial protection for your business.
Connecticut Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in Connecticut.
What does professional liability insurance cost in Connecticut?
Professional liability insurance in Connecticut ranges from $78 to $96 monthly, depending on your provider. Your actual premium varies based on your industry's risk level, claims history, coverage limits and business location within the state.
Which professional liability insurance company is best in Connecticut?
NEXT leads professional liability insurance in Connecticut with a 4.74 out of 5 rating for its affordable rates and excellent customer service. The Hartford ranks second at 4.71, while Simply Business comes third at 4.52, both offering solid coverage options for the state's professionals.
How much professional liability coverage do I need in Connecticut?
Professional liability coverage amounts in Connecticut depend on your industry's risk level, client contract requirements and potential lawsuit costs. High-risk professions like architects and consultants typically need higher coverage limits, while businesses in lower-risk fields may require less protection to adequately safeguard their operations.
What's the difference between professional liability and E&O insurance?
Professional liability and errors and omissions (E&O) insurance both cover mistakes in your professional services. The different names come from industry preferences (lawyers often say E&O while healthcare providers say professional liability), but the financial protection works the same way.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Alliance Health. "Provider Insurance Requirements." Accessed December 20, 2025.