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.
Professional Liability Insurance in Florida
NEXT earns the highest score of 4.73 out of 5 in our analysis of the best professional liability insurance in Florida.
Discover cheap professional liability insurance in Florida below.

Updated: October 2, 2025
Advertising & Editorial Disclosure
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.
Best Professional Liability Insurance Companies in Florida
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.

NEXT
Overall Best Provider
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
3.9/5Our Survey: Recommend to Others
4.8/5

The Hartford
Runner-Up for Best Provider
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 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?
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 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?
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 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.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
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
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
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
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
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
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
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.
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.
Is professional liability insurance required in Florida?
Professional liability insurance isn't legally required in Florida, but client contracts and industry standards often demand it. Many professionals carry coverage to meet contractual requirements and protect against costly claims.
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.
Can I get professional liability insurance online in Florida?
Yes, you can purchase professional liability insurance online in Florida. Many insurers offer digital applications that take just minutes to complete, with instant policy certificates and immediate coverage. Online platforms provide 24/7 policy management and eliminate traditional paperwork delays, making the process significantly faster and more convenient than working with agents.
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.
Do I need professional liability insurance if I work from home in Florida?
Yes, working from home in Florida doesn't eliminate your need for professional liability insurance. Your location won't protect you from lawsuits if your services cause financial harm to clients. A freelance graphic designer who delivers faulty branding or a consultant providing poor advice could face expensive claims. Professional mistakes carry the same risks whether you work from your kitchen table or a corporate office downtown.
What happens if I let my professional liability insurance lapse in Florida?
Letting your professional liability insurance lapse in Florida creates serious financial risks. Claims-made policies only provide coverage when active, meaning past work loses protection once coverage ends. Even work completed years ago remains vulnerable to future lawsuits. To avoid dangerous coverage gaps, secure prior acts coverage with your new insurer or purchase tail coverage from your previous provider.
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, 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
- Alliance Health. "Provider Insurance Requirements." Accessed October 21, 2025.
- Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed October 21, 2025.