Best Professional Liability Insurance in Florida (2025)

Updated: December 2, 2025

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Best Professional Liability Insurance in Florida: Key Takeaways

NEXT is our top pick for professional liability insurance in Florida, followed by The Hartford and Simply Business.

Your industry risk, client contracts, potential claim costs and budget determine the best Florida professional liability insurance for you.

Assess your needs first, then compare quotes from multiple providers to find the best professional liability insurance in Florida.

A professional liability lawsuit can destroy a small business in Florida. We studied insurers statewide to find which companies provide the best financial protection for startups and established firms alike.

Our Scoring System

Affordability (50%): Cost drives most small business insurance choices. We made affordability our top priority because companies need strong coverage that fits their budget constraints.
Customer experience (30%): Quality service matters when facing a claim. We analyzed J.D. Power ratings and complaint records from the state's Department of Insurance to measure insurer responsiveness.
Coverage options (15%): We studied policy flexibility and exclusions to ensure they work for the diverse professional services market across the state.
Financial strength (5%): AM Best financial ratings helped us confirm each recommended insurer can pay claims when businesses need protection most.

Best Professional Liability Insurance Companies in Florida

NEXT is the best professional liability insurance in Florida. It has affordable rates and good customer support. The Hartford ranks second overall, while Simply Business takes third place.


NEXT Insurance	4.73	$78
The Hartford	4.61	$78
Simply Business	4.52	$83
Coverdash	4.46	$84
Nationwide	4.45	$89
biBERK	4.45	$85
Progressive Commercial	4.40	$81
Hiscox	4.37	$83
Chubb	4.27	$96
Thimble	4.25	$83

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 insurance works best alongside other coverage types to create financial protection for Florida small businesses.

Best Florida 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 Florida businesses.

Overall Best Provider

MoneyGeek Rating

4.7/ 5

4.7/5Affordability

4.7/5Customer Experience

4.8/5Coverage Points

Average Monthly Premium
$78
Our Survey: Claims Process
3.9/5
Our Survey: Recommend to Others
4.8/5

pros
- Ranks first in Florida for affordability
- Ranks first for customer service
- Strong digital platform with instant certificate access
- Backed by solid AM Best A- rating
cons
- Newer company with limited operating history
- Service delays reported during policy changes
NEXT offers good digital capabilities and customer service, ranking first among competitors in these categories. It has a good online platform for managing policies.
Overall Score 4.73 1
Affordability Score 4.71 1
Customer Service Score 4.70 1
Coverage Score 4.80 2
Stability Score 4.78 6
NEXT offers competitive coverage, with premiums averaging $78 monthly ($936 annually). It is the most affordable option across 13 industries, including popular sectors like computer programming, consulting and food truck operations.
Data filtered by:
Industry
Accountants
Accountants $146 2


Overall Score	4.73	1
Affordability Score	4.71	1
Customer Service Score	4.70	1
Coverage Score	4.80	2
Stability Score	4.78	6


Accountants	$146	2

NEXT excels in customer experience through its digital platform and policy management tools. Customers consistently praise the ability to manage their policies 24/7 and obtain instant certificates of insurance without paperwork delays.

The provider's high renewal rates and customer recommendations indicate strong service satisfaction. However, its claims processing can take longer than some traditional insurers, ranking fourth nationally in claims handling speed.


Overall Customer Score	4.45	1
Claims Process	3.90	4
Customer Service	4.20	4
Digital Experience	4.80	1
Overall Satisfaction	4.40	2
Policy Management	4.30	1
Recommend to Others	4.80	1
Renewal Likelihood	4.60	1

NEXT provides professional liability coverage with limits starting at $250,000 per occurrence. Its policies include coverage for negligence, errors and omissions and defense costs. It provides bundling options with general liability insurance, but cyber liability requires separate policies.

The Hartford

Runner-Up for Best Provider

MoneyGeek Rating

4.6/ 5

4.6/5Affordability

4.6/5Customer Experience

4.7/5Coverage Points

Average Monthly Premium
$78
Our Survey: Claims Process
4.5/5
Our Survey: Recommend to Others
4.5/5

pros
- Ranks second in Florida for customer service
- Strong AM Best A+ Superior financial strength rating
- Digital portal provides 24/7 policy and claims access
- Over 200 years of established insurance experience
cons
- Higher premiums than many Florida competitors
- Limited coverage options compared to top providers
The Hartford is a premier professional liability provider in Florida, combining exceptional customer service with comprehensive coverage options. The company ranks second in customer service among insurers we evaluated, demonstrating strong performance in claims processing and overall satisfaction.

While The Hartford's digital experience may not match newer insurtech companies, its established reputation, excellent claims handling and broad coverage options make it an excellent choice for Florida businesses seeking reliable professional liability protection.
Overall Score 4.61 2
Affordability Score 4.56 3
Customer Service Score 4.55 2
Coverage Score 4.70 3
Stability Score 4.98 1
The Hartford offers reasonably priced professional liability coverage in Florida, with premiums averaging $78 monthly ($936 annually).

The company provides competitive rates across 33 industries, including popular sectors like accounting, retail, tech services and health care. While ranking third for affordability among providers we evaluated, The Hartford balances its pricing with excellent customer service and comprehensive coverage options.
Data filtered by:
Industry
Accountants
Accountants $145 1


Overall Score	4.61	2
Affordability Score	4.56	3
Customer Service Score	4.55	2
Coverage Score	4.70	3
Stability Score	4.98	1


Accountants	$145	1

The Hartford delivers outstanding customer service, earning top rankings in overall satisfaction and claims processing. Current policyholders consistently praise the company's efficient claims handling and report they're likely to recommend The Hartford to other businesses.

The company's online portal provides 24/7 access to policy documents and certificates of insurance, though its digital experience ranks lower than some competitors. BBB reviews highlight strong customer support and reliable coverage, with most clients expressing satisfaction with their long-term relationship with the insurer.


Overall Customer Score	4.38	2
Claims Process	4.50	1
Customer Service	4.70	1
Digital Experience	3.80	10
Overall Satisfaction	4.50	1
Policy Management	4.20	4
Recommend to Others	4.50	2
Renewal Likelihood	4.40	2

The Hartford offers customizable professional liability policies with coverage limits ranging from $300,000 to $5 million per occurrence. The company provides industry-specific policy enhancements and allows bundling with other business coverages for comprehensive protection.

Notable features include first-dollar defense coverage and prior acts coverage for qualifying businesses. While the company maintains strong coverage options, some specialized industries may face coverage restrictions or higher premiums based on risk factors.

Cheapest Professional Liability Insurance Companies in Florida

The Hartford provides cheap professional liability insurance in Florida at $78 monthly ($936 annually). NEXT offers another affordable option with the same $78 monthly rate.


The Hartford	$78	$936
NEXT Insurance	$79	$942
Progressive Commercial	$81	$977
Thimble	$83	$991
Simply Business	$83	$991
Hiscox	$83	$1,002
Coverdash	$84	$1,008
biBERK	$85	$1,024
Nationwide	$89	$1,072
Chubb	$96	$1,152

How Did We Determine These Rates?

Average Cost of Professional Liability Insurance in Florida

Professional liability insurance costs $84 monthly ($1,009 annually) in Florida, which is $6 more than the national average. Home-based businesses pay around $40 per month, while mortgage brokers average $178. Rates also vary based on business location, claims history and coverage limits.


Accountants	$160	$1,923
Ad Agency	$106	$1,266
Auto Repair	$89	$1,069
Automotive	$83	$990
Bakery	$57	$682
Barber	$47	$564
Beauty Salon	$53	$639
Bounce House	$63	$756
Candle	$45	$546
Cannabis	$133	$1,594
Catering	$86	$1,038
Cleaning	$58	$700
Coffee Shop	$67	$799
Computer Programming	$115	$1,375
Computer Repair	$67	$806
Construction	$83	$1,000
Consulting	$114	$1,368
Contractor	$69	$828
Courier	$54	$654
DJ	$48	$581
Daycare	$117	$1,404
Dental	$91	$1,086
Dog Grooming	$60	$723
Drone	$115	$1,375
Ecommerce	$66	$797
Electrical	$70	$837
Engineering	$114	$1,371
Excavation	$75	$904
Florist	$41	$492
Food	$119	$1,428
Food Truck	$64	$764
Funeral Home	$88	$1,057
Gardening	$44	$528
HVAC	$87	$1,048
Handyman	$59	$704
Home-based business	$40	$483
Hospitality	$79	$950
Janitorial	$54	$654
Jewelry	$66	$797
Junk Removal	$73	$876
Lawn/Landscaping	$56	$673
Lawyers	$158	$1,891
Manufacturing	$65	$776
Marine	$94	$1,124
Massage	$116	$1,396
Mortgage Broker	$178	$2,138
Moving	$88	$1,057
Nonprofit	$55	$658
Painting	$70	$841
Party Rental	$60	$719
Personal Training	$76	$916
Pest Control	$104	$1,253
Pet	$50	$594
Pharmacy	$63	$760
Photography	$69	$832
Physical Therapy	$101	$1,213
Plumbing	$98	$1,176
Pressure Washing	$62	$750
Real Estate	$135	$1,621
Restaurant	$86	$1,037
Retail	$60	$715
Roofing	$105	$1,260
Security	$110	$1,322
Snack Bars	$52	$624
Software	$104	$1,252
Spa/Wellness	$118	$1,417
Speech Therapist	$106	$1,272
Startup	$78	$936
Tech/IT	$105	$1,261
Transportation	$103	$1,240
Travel	$103	$1,241
Tree Service	$82	$989
Trucking	$119	$1,433
Tutoring	$66	$787
Veterinary	$126	$1,512
Wedding Planning	$83	$999
Welding	$84	$1,010
Wholesale	$66	$793
Window Cleaning	$67	$808

How Did We Determine These Rates?

How Much Professional Liability Insurance Do I Need in Florida?

Professional liability insurance requirements differ by profession in Florida. Health care providers, attorneys, and certain contractors often must carry coverage, while other fields face fewer mandates. Even without legal requirements, smart coverage decisions protect against lawsuits and meet client expectations. Many professionals choose at least $1 million per occurrence and $3 million aggregate coverage. Your coverage decision depends on three factors:

Your Industry Risk

Some industries in Florida carry greater liability exposure than others when serving clients. High-risk fields like architects designing buildings in Miami or technology consultants working with Tampa's growing tech sector face more potential claims than lower-risk professions such as accountants in Gainesville or real estate agents in smaller Florida towns. Your industry type directly influences how much coverage you need to protect against professional mistakes.

Client Requirements

Many clients and contracts in Florida require proof of professional liability insurance at specific minimum limits before work can begin. Large corporations, government contracts, and major organizations throughout Florida often set coverage requirements ranging from $500,000 to $2 million or more. Meeting these client-mandated minimums is essential for winning and keeping business in Florida's competitive market.

Potential Claim Costs

Your coverage should reflect the possible financial impact of a professional liability lawsuit in Florida's legal environment. Small mistakes might result in minor penalties of a few thousand dollars, while errors on larger projects could lead to six-figure damages plus substantial legal fees. Consider the size and scope of your typical Florida projects when determining coverage limits.

How to Get the Best Professional Liability Insurance in Florida

Here are the steps on how to get business insurance that matches your budget and helps you with your professional liability needs in Florida.

1
Evaluate Your Risk Exposure
Review your industry standards and client contract requirements to find coverage amounts.
2
Find a Knowledgeable Local Agent
Look for an agent who understands how your business liability insurance cost varies by location and industry.
3
Request Multiple Detailed Quotes
Request quotes from at least three insurers, comparing affordable business insurance options.
4
Research Insurer Financial Strength
When researching business insurance in Florida, look beyond price.
5
Explore Bundling Discount Options
Many insurers offer discounts when combining professional liability with different business insurance coverage types, like general liability or business owner's policies.
6
Maintain Continuous Policy Coverage
Get prior acts coverage or tail coverage when switching insurers to avoid dangerous protection gaps.

How to Prevent Professional Liability Claims in Florida

Professional liability claims usually start with communication breakdowns and unclear expectations, not actual professional mistakes. Small disputes can still cost thousands in legal fees. These proven strategies help Florida businesses prevent conflicts and avoid expensive claims before they develop.

Document Everything

Keep written proof of all client interactions, including email confirmations, scope changes and client approvals. Documentation helps prevent disputes by providing a clear record of what was agreed upon. This written trail protects your business when questions arise about project decisions or timelines.

Use Detailed Contracts With Clear Scope

Contracts should define responsibilities, timelines and deliverables in specific terms. Outline what is included and excluded from your services to avoid conflict over additional work. Clear boundaries help clients understand exactly what they're paying for and what falls outside the original agreement.

Communicate Project Changes Immediately

Confirm all client-requested changes in writing before moving forward with the work. Document how changes affect timelines, budgets and deliverables to prevent misunderstandings. Written confirmation protects both parties and ensures everyone agrees on the revised scope.

Set Realistic Expectations Upfront

Be transparent about timelines, potential challenges and expected results from the beginning. Honest communication about your capabilities helps avoid overpromising and reduces disputes later. Clear expectations help clients make informed decisions and reduce the likelihood of dissatisfaction.

Keep Detailed Project Records

Maintain thorough records of work performed, decisions made and the reasoning behind your recommendations. This documentation demonstrates professional diligence and provides protection if your work is questioned. Detailed records show you followed proper procedures and made informed professional judgments.

Florida Professional Liability: Bottom Line

Selecting professional liability insurance in Florida requires understanding your specific business risks first. NEXT earns our top rating, but your industry, client contracts and budget should drive your final choice. Assess your needs, then work with a local agent to compare options that deliver solid financial protection for your business.

Florida Professional Liability Insurance: FAQ

Here are frequently asked questions about professional liability insurance in Florida.

What does professional liability insurance cost in Florida?

Professional liability insurance in Florida ranges from $78 to $96 monthly, based on provider rates. Your actual premium depends on your industry's risk level, claims history, coverage limits and business location, making costs unique for each company.

Which professional liability insurance company is best in Florida?

NEXT ranks as the top professional liability insurance company in Florida, scoring 4.73 out of 5 for its affordable rates and excellent customer service. The Hartford follows closely as second place, while Simply Business rounds out the top three with competitive options for small businesses.

How much professional liability coverage do I need in Florida?

Professional liability coverage amounts in Florida depend on your industry's risk level, client contract demands and potential lawsuit expenses. High-risk professions like architects and consultants need higher coverage limits, while lower-risk businesses can often secure adequate protection with smaller policy amounts.

In Florida, what's the difference between professional liability and E&O insurance?

Professional liability and errors and omissions (E&O) insurance are two names for the same coverage. Both protect you from claims about mistakes in your services. Some industries prefer one term, but they work 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.

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sources

Alliance Health. "Provider Insurance Requirements." Accessed December 7, 2025.
Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed December 7, 2025.