ERGO NEXT tops MoneyGeek's Connecticut professional liability insurance rankings with a 4.74 score, earning first place for customer service and digital experience. The Hartford offers the cheapest professional indemnity rates in the state at $78 monthly, saving business owners $6 compared to the $84 state average. Simply Business, Coverdash, Nationwide and biBerk also rank among the top errors and omissions insurers worth comparing for your Connecticut business.
Best Professional Liability Insurance in Connecticut
Get CT professional liability insurance quotes starting at $27 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
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Updated: February 1, 2026
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Professional Liability Insurance in Connecticut: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Connecticut, while The Hartford delivers the most affordable coverage starting at $78 monthly (Read More).
Professional liability insurance costs in Connecticut average $84 monthly ($1,014 annually), placing the state in the moderate range nationally (Read More).
Professional liability insurance protects Connecticut businesses against financial losses from professional mistakes, missed deadlines and client negligence claims (Read More).
Connecticut doesn't mandate professional liability insurance for most businesses, though health care providers and other licensed professionals often face industry-specific requirements (Read More).
Connecticut business owners should request small business insurance quotes from multiple providers to compare coverage limits and find the most suitable policy (Read More).
Best Professional Liability Insurance Companies in Connecticut
| ERGO NEXT | 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 The Best Professional Liability Insurance in Connecticut?
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 IN CONNECTICUT
Beyond professional liability insurance in Connecticut, we've provided the following state-specific resources to get the best coverage for your business:
1. ERGO NEXT: Best Professional Liability Insurance in CT
pros
Ranks first for customer service and digital experience nationally
A+ Superior AM Best rating backed by Munich Re
Get coverage and instant COI in about 10 minutes online
10% bundling discount when adding professional liability coverage
cons
Founded in 2016 with less industry tenure than traditional insurers
Claims process ranks fourth, indicating longer resolution times
COMPANY HIGHLIGHTS
ERGO NEXT earns first place in Connecticut's professional liability rankings by combining top-rated customer service with a streamlined digital experience. The insurer ranks first nationally for digital experience and policy management. Connecticut business owners pay $79 monthly for E&O coverage, $5 below the $84 state average.
Consultants in Hartford and Stamford tech firms can get quotes, buy coverage and download certificates of insurance in about 10 minutes through ERGO NEXT's mobile app, which holds a 4.9-star rating on Google Play. The provider's September 2025 upgrade to an A+ Superior AM Best rating following Munich Re's acquisition provides added financial stability for Connecticut policyholders.
2. The Hartford: Cheapest Professional Liability Insurance in CT
pros
Lowest professional liability rates in Connecticut at $78 monthly
Ranks first nationally for claims process satisfaction (4.5 score)
A+ Superior AM Best rating with over 200 years of experience
Headquartered in Hartford, CT with deep local market knowledge
cons
Digital experience ranks 10th nationally among competitors
Not available in Alaska and Hawaii
COMPANY HIGHLIGHTS
The Hartford delivers the cheapest professional liability insurance in Connecticut at $78 monthly, saving business owners $6 compared to the $84 state average. The insurer ranks first nationally for affordability and claims process satisfaction, with customers praising quick reimbursements and knowledgeable agents.
As a Hartford-headquartered company, it brings local expertise to Fairfield County consultants and New Haven financial advisors. Business owners who value agent support and claims handling over app-based management will find The Hartford's 200+ years of experience and A+ Superior AM Best rating worth the trade-off against its 10th-place digital experience ranking.
3. Simply Business: Best Professional Liability Insurance Coverage Option in CT
pros
Ranks first for coverage options with access to more than 16 carriers offering specialized policies
Backed by Travelers' A++ Superior financial rating
Lets you compare multiple quotes in 10 minutes instead of calling individual insurers
Broker model finds coverage for hard-to-insure businesses that other insurers reject
cons
More expensive than other providers in MoneyGeek's study
Claims process ranks eighth nationally, indicating slower resolution times
COMPANY HIGHLIGHTS
Simply Business earns its spot as Connecticut's best professional liability insurer for coverage options by connecting business owners with 16+ carrier partners through a single application. The broker ranks first nationally for coverage and third for digital experience, letting Stamford consultants and Bridgeport contractors compare tailored E&O quotes in about 10 minutes.
Connecticut professionals pay $83 monthly, roughly matching the $84 state average. Policies are underwritten by A-rated carriers including Travelers, which holds an A++ Superior AM Best rating. Business owners with unique risks or hard-to-insure operations benefit most from this broker model, though those prioritizing claims support may prefer other providers.
Average Cost of Professional Liability Insurance in Connecticut
Professional liability insurance costs in Connecticut vary by industry. Home-based businesses pay the lowest rates at around $41 per month, while mortgage brokers pay the highest at approximately $182 per month. You can find specific rates for your industry using the filtering tool below to compare options for your business.
Data filtered by:
Select
| 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 Connecticut Professional Liability Insurance 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.
What Does Connecticut Professional Liability Insurance Cover?
Connecticut professional liability insurance protects your business when clients claim you made errors or failed to deliver promised services. The coverage pays for damages from these claims and handles your legal costs during disputes.
This insurance goes by several other names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (specialized type, typically in legal and medical fields)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Connecticut?
Connecticut doesn't require professional liability coverage for most businesses. Even so, most clients and contracts expect $1 million per occurrence and $2 million aggregate limits before you can start work. Health care providers are the exception: Connecticut General Statutes require physicians, chiropractors and physical therapists providing direct patient care to carry minimum coverage of $500,000 per occurrence and $1.5 million aggregate.
Who Needs Professional Liability Insurance in Connecticut?
Connecticut businesses providing contract-based services or professional advice face errors and omissions exposure. From Hartford's financial district to New Haven's biotech corridor, these industries carry the greatest risk for professional liability claims.
Financial and Insurance Professionals
Hartford's status as the Insurance Capital of the World means thousands of Connecticut financial advisors and insurance consultants manage client assets and policies daily. A single error in investment guidance or policy recommendations can trigger claims that professional liability insurance covers.
Tech Professionals
Connecticut's growing fintech and insurtech sectors in Stamford and Hartford create significant liability exposure for IT consultants and software developers. Specialized tech E&O insurance covers claims arising from software failures, data breaches or missed project deadlines.
Medical Professionals
Connecticut General Statutes require physicians, chiropractors and physical therapists providing direct patient care to carry malpractice insurance with minimum limits of $500,000 per occurrence. Connecticut is one of few states with explicit health care provider insurance mandates written into law.
Aerospace and Defense Contractors
Connecticut's aerospace supply chain supporting Pratt & Whitney and Electric Boat includes hundreds of precision manufacturers and engineering consultants. Contract work for defense programs carries strict performance requirements where errors can result in costly claims.
Life Sciences Consultants
New Haven's biotech corridor and pharmaceutical research hubs like Boehringer Ingelheim in Ridgefield employ consultants across drug development and clinical trial management. Regulatory compliance failures or research errors create liability that E&O policies cover.
How to Get the Best Professional Liability Insurance in Connecticut
Our step-by-step guide walks you through how to get business insurance in Connecticut that matches your professional liability needs and budget. Follow these six steps to find the right E&O coverage for your business.
- 1Assess your professional liability insurance coverage needs
Start by identifying your business risks and reviewing any client contract requirements you must meet. A Stamford fintech consultant advising hedge funds needs different coverage limits than a New Haven biotech researcher working with university partners.
- 2Work with a local agent
Find an agent who understands Connecticut's business landscape and how business insurance costs vary across industries and regions. Local agents can explain why your Hartford insurance consulting practice may need different coverage than a similar firm operating in Fairfield County's corporate market.
- 3Get quotes and compare coverage details
Request quotes from at least three insurers and compare policy terms, exclusions and deductibles alongside affordable business insurance rates. A Groton engineering contractor serving Electric Boat should examine coverage differences for defense work, not just premium costs, when evaluating $1 million liability policies.
- 4Research the best providers
Look beyond price when researching professional liability insurers for your Connecticut business. Check AM Best financial ratings, review claims handling reputation and confirm the insurer has experience in your industry.
- 5Consider bundling discounts
Many Connecticut insurers offer lower premiums when you combine professional liability with other types of business insurance like general liability or a business owner's policy. A Ridgefield pharmaceutical consultant, for example, could save 10% to 15% by bundling E&O coverage with general liability and cyber insurance.
- 6Don't let your coverage lapse
Professional liability policies only cover claims filed while your policy is active, even if the work happened years earlier. A Bridgeport IT consultant switching carriers should confirm the new policy includes prior acts coverage or purchase tail coverage (extended reporting coverage that protects against claims from past work) from the previous insurer.
Get Connecticut Professional Liability Insurance Quotes
MoneyGeek matches Connecticut business owners with top professional liability insurers based on your industry and coverage needs. Use our tool below to find your best provider match and get quotes tailored to your business in minutes.
Get Matched to the Best CT Professional Liability Insurer for You
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Connecticut Professional Liability: Bottom Line
Choosing the right professional liability insurance in Connecticut means understanding your business risks and finding a provider that fits your budget. ERGO NEXT earns our top rating for Connecticut businesses, but your industry, client contracts and coverage needs should guide your final decision. Assess your risks, work with a local agent to compare options and secure coverage that financially protects your business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.