Best Professional Liability Insurance in Florida: Key Takeaways

blueCheck icon

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

blueCheck icon

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

blueCheck icon

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

Best Professional Liability Insurance Companies in Florida

NEXT the best professional liability insurance in Florida with competitive rates and strong customer support. The Hartford ranks second overall, while Simply Business takes third place.

NEXT Insurance4.73$78
The Hartford4.61$78
Simply Business4.52$83
Coverdash4.46$84
Nationwide4.45$89
biBERK4.45$85
Progressive Commercial4.40$81
Hiscox4.37$83
Chubb4.27$96
Thimble4.25$83

How Did We Determine These Rates and Rankings?

insurance2 icon
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.

Company Image

NEXT

Overall Best Provider

MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
  • Average Monthly Premium

    $78
  • Our Survey: Claims Process

    3.9/5
  • Our Survey: Recommend to Others

    4.8/5
Company Image

The Hartford

Runner-Up for Best Provider

MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
  • Average Monthly Premium

    $78
  • Our Survey: Claims Process

    4.5/5
  • Our Survey: Recommend to Others

    4.5/5

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:

    business icon

    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.

    checkList icon

    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.

    money2 icon

    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.

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

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. 1

    Evaluate Your Risk Exposure

    Different businesses face varying liability risks in Florida. A construction firm typically needs higher coverage limits than a freelance consultant. Review your industry standards and client contract requirements to determine appropriate coverage amounts.

  2. 2

    Find a Knowledgeable Local Agent

    Look for an agent who knows Florida's business landscape and understands how your business liability insurance cost varies by location and industry. Local expertise helps match coverage to your industry's specific needs and regional client expectations.

  3. 3

    Request Multiple Detailed Quotes

    Request quotes from at least three insurers, comparing affordable business insurance options and policy terms like exclusions and deductibles. A $1,000,000 policy can vary significantly in actual protection offered.

  4. 4

    Research Insurer Financial Strength

    When researching business insurance in Florida, look beyond price. Check AM Best ratings and claims handling reputation before choosing a provider. Strong financial ratings and positive industry reviews indicate reliable coverage when you need to file a claim.

  5. 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. These bundles often reduce overall costs while simplifying policy management for busy business owners.

  6. 6

    Maintain Continuous Policy Coverage

    Professional liability operates on a claims-made basis, covering only claims filed while your policy remains active. Always secure 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.

    blueCheckmark icon

    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.

    blueCheckmark icon

    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.

    blueCheckmark icon

    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.

    blueCheckmark icon

    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.

    blueCheckmark icon

    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.

Is professional liability insurance required in Florida?

What does professional liability insurance cost in Florida?

Which professional liability insurance company is best in Florida?

How much professional liability coverage do I need in Florida?

Can I get professional liability insurance online in Florida?

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

Do I need professional liability insurance if I work from home in Florida?

What happens if I let my professional liability insurance lapse in Florida?

How We Scored the Best Professional Liability Insurance Companies 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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


sources
Copyright © 2025 MoneyGeek.com. All Rights Reserved