ERGO NEXT ranks first for professional liability insurance in Michigan, offering strong customer service, comprehensive coverage options and user-friendly digital tools. The Hartford offers Michigan's lowest rates at $67 per month, $6 below the state average, making it the cheapest professional indemnity insurer for budget-focused businesses. Simply Business, Coverdash and Nationwide follow as top errors and omissions insurance providers in Michigan.
Best Professional Liability Insurance in Michigan
Get MI professional liability insurance quotes starting at $25 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 Michigan: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Michigan, while The Hartford delivers the most affordable coverage starting at $67 monthly (Read More).
Professional liability insurance costs in Michigan average $73 monthly ($880 annually), placing the state among the more affordable options nationwide (Read More).
Professional liability insurance protects Michigan businesses against claims from professional mistakes, missed deadlines and errors that cause client financial losses (Read More).
Michigan businesses typically aren't required to carry professional liability insurance, though health care providers and other licensed professionals often need coverage (Read More).
Michigan business owners should request small business insurance quotes from multiple providers to compare coverage limits and find the best professional liability rates (Read More).
Best Professional Liability Insurance Companies in Michigan
| ERGO NEXT | 4.73 | $68 |
| The Hartford | 4.64 | $67 |
| Simply Business | 4.49 | $73 |
| Coverdash | 4.45 | $73 |
| Nationwide | 4.43 | $78 |
| biBERK | 4.42 | $75 |
| Progressive Commercial | 4.39 | $71 |
| Hiscox | 4.36 | $73 |
| Chubb | 4.26 | $84 |
| Thimble | 4.25 | $72 |
How Did We Determine the Best Professional Liability Insurance in Michigan?
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 MICHIGAN
Professional liability insurance in Michigan covers just one aspect of protecting your business, so we've compiled these additional state-specific guides:
1. ERGO NEXT: Best Professional Liability Insurance in MI
pros
Ranks first for customer service in Michigan
Digital experience rated highest among all providers
Instant policy access and certificates within 10 minutes
Up to 10% bundling discount available
cons
Founded in 2016, less than 10 years operational
Claims processing ranks fourth among Michigan providers
COMPANY HIGHLIGHTS
ERGO NEXT ranks first for Michigan professional liability insurance with exceptional customer service and the state's most user-friendly digital platform. Detroit consultants and Grand Rapids IT professionals secure coverage in 10 minutes with instant certificates of insurance, crucial when clients demand proof before projects start. ERGO NEXT's mobile app lets Ann Arbor freelancers manage policies 24/7, while its A+ Superior financial rating from AM Best, backed by Munich Re, provides confidence for businesses statewide.
2. The Hartford: Cheapest Professional Liability Insurance in MI
pros
Lowest rates for professional liability insurance in Michigan
Best claims handling and agent service ratings from customers
Great personalized E&O coverage options for tech, law and medical professionals
A+ Superior AM Best rating with more than 200 years experience
cons
Digital experience ranks 10th among Michigan providers
Not available in Alaska or Hawaii
COMPANY HIGHLIGHTS
The Hartford delivers Michigan's cheapest professional liability insurance at $67 monthly, $6 below the state average, saving businesses $71 annually. Lansing consultants and Detroit accounting firms benefit from rates backed by A+ Superior financial strength and industry-leading claims handling. Grand Rapids tech startups and Ann Arbor design professionals choose The Hartford for specialized coverage serving more than 50 industries. Its 200+ years of experience provides the stability Michigan businesses need when protecting against negligence claims
3. Simply Business: Best Professional Liability Insurance Coverage Options in MI
pros
Ranks first for coverage options with 16+ carrier partners
Digital experience ranks third with instant certificate access
Backed by Travelers' A++ Superior AM Best rating
Broker model finds coverage for hard-to-insure businesses
cons
Claims process ranks eighth among Michigan providers
Overall customer satisfaction ranks seventh nationally
No direct insurer relationship through broker model
COMPANY HIGHLIGHTS
Simply Business leads Michigan professional liability insurance for coverage options through its broker model connecting businesses to 16+ carriers including Travelers, CNA and Hiscox. Detroit IT consultants and Grand Rapids manufacturing firms compare multiple quotes in 10 minutes instead of calling each insurer. Ann Arbor cannabis businesses and Lansing consultants with prior claims who've been rejected by direct insurers find specialized coverage through Simply Business's extensive carrier network. That's crucial when standard insurers won't cover your industry or risk profile.
Average Cost of Professional Liability Insurance in Michigan
Professional liability insurance costs in Michigan range significantly by industry. Home-based businesses pay the most affordable rates at around $35 per month, while mortgage brokers face the highest costs at approximately $158 per month. You can find specific rates for your industry using the filtering tool below to compare options.
Data filtered by:
Select
| Accountants | $138 | $1,661 |
| Ad Agency | $92 | $1,104 |
| Auto Repair | $80 | $963 |
| Automotive | $70 | $839 |
| Bakery | $50 | $595 |
| Barber | $40 | $479 |
| Beauty Salon | $47 | $562 |
| Bounce House | $56 | $673 |
| Candle | $40 | $475 |
| Cannabis | $115 | $1,383 |
| Catering | $76 | $908 |
| Cleaning | $52 | $625 |
| Coffee Shop | $58 | $699 |
| Computer Programming | $101 | $1,212 |
| Computer Repair | $59 | $710 |
| Construction | $72 | $859 |
| Consulting | $102 | $1,224 |
| Contractor | $59 | $704 |
| Courier | $46 | $556 |
| DJ | $42 | $509 |
| Daycare | $102 | $1,230 |
| Dental | $79 | $950 |
| Dog Grooming | $52 | $619 |
| Drone | $99 | $1,182 |
| Ecommerce | $57 | $690 |
| Electrical | $61 | $732 |
| Engineering | $99 | $1,188 |
| Excavation | $65 | $779 |
| Florist | $36 | $427 |
| Food | $105 | $1,260 |
| Food Truck | $56 | $677 |
| Funeral Home | $76 | $916 |
| Gardening | $38 | $454 |
| HVAC | $78 | $940 |
| Handyman | $50 | $606 |
| Home-based business | $35 | $424 |
| Hospitality | $70 | $840 |
| Janitorial | $46 | $551 |
| Jewelry | $57 | $683 |
| Junk Removal | $64 | $767 |
| Lawn/Landscaping | $48 | $582 |
| Lawyers | $136 | $1,630 |
| Manufacturing | $56 | $674 |
| Marine | $82 | $985 |
| Massage | $99 | $1,194 |
| Mortgage Broker | $158 | $1,893 |
| Moving | $77 | $921 |
| Nonprofit | $46 | $554 |
| Painting | $60 | $721 |
| Party Rental | $53 | $635 |
| Personal Training | $66 | $797 |
| Pest Control | $89 | $1,071 |
| Pet | $44 | $527 |
| Pharmacy | $55 | $656 |
| Photography | $60 | $719 |
| Physical Therapy | $89 | $1,068 |
| Plumbing | $87 | $1,045 |
| Pressure Washing | $53 | $638 |
| Real Estate | $117 | $1,405 |
| Restaurant | $78 | $932 |
| Retail | $51 | $614 |
| Roofing | $91 | $1,091 |
| Security | $95 | $1,135 |
| Snack Bars | $44 | $534 |
| Software | $88 | $1,057 |
| Spa/Wellness | $104 | $1,246 |
| Speech Therapist | $93 | $1,118 |
| Startup | $69 | $829 |
| Tech/IT | $93 | $1,116 |
| Transportation | $90 | $1,085 |
| Travel | $93 | $1,118 |
| Tree Service | $72 | $861 |
| Trucking | $105 | $1,256 |
| Tutoring | $57 | $678 |
| Veterinary | $112 | $1,348 |
| Wedding Planning | $74 | $889 |
| Welding | $73 | $882 |
| Wholesale | $58 | $692 |
| Window Cleaning | $59 | $710 |
How Did We Determine These Michigan 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 Michigan Professional Liability Insurance Cover?
Michigan professional liability insurance protects your business when clients claim you made mistakes or failed to deliver promised services. This coverage handles liability damages and pays for legal costs when you face these claims. The insurance industry uses several names for this same type of protection:
- 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 Michigan?
Michigan doesn't mandate professional liability insurance for most businesses, including medical professionals. Contract work usually requires $1 million per occurrence and $2 million aggregate coverage. Health care facilities require medical malpractice coverage at $200,000 per occurrence and $600,000 aggregate. Architects and engineers working on Michigan State Housing Development Authority projects need $1 million or 10% of the construction contract value, whichever is greater.
Who Needs Professional Liability Insurance in Michigan?
Professionals who handle client contracts or provide services where errors could cause financial losses should consider professional liability insurance in Michigan. The state's economy spans technology, health care, manufacturing and professional services, all industries with substantial negligence exposure.
Tech Professionals
Michigan's technology sector thrives through MEDC SmartZones supporting startups across the state, creating significant liability exposure for software errors and data breaches. Specialized tech E&O insurance policies protect Detroit and Ann Arbor IT consultants from claims involving system failures or missed project deadlines.
Medical Professionals
Michigan regulates more than 400,000 health care professionals across 26 professions. State law doesn't mandate malpractice insurance, though Detroit, Grand Rapids and Flint facilities require coverage for physicians. Health care professionals need protection against claims from treatment decisions, diagnostic errors or patient care negligence.
Architects and Construction Professionals
Michigan licenses architects through LARA and requires architects working on Michigan State Housing Development Authority projects to maintain coverage of $1 million or 10% of contract value, whichever is greater. Construction professionals face liability from design errors, project delays or safety violations on job sites statewide.
Manufacturing and Engineering Consultants
Michigan's 20,274 licensed professional engineers serve MEDC-identified focus industries including advanced manufacturing, automotive and mobility, facing liability exposure from design specifications and technical recommendations. Engineering consultants need coverage against claims from faulty designs or calculation errors impacting client operations.
Financial and Consulting Professionals
Michigan's professional services sector includes 41,695 small firms providing financial advice, business consulting and strategic planning services. These professionals need coverage when clients claim financial losses from allegedly negligent advice or failure to meet contractual obligations.
How to Get the Best Professional Liability Insurance in Michigan
This step-by-step guide helps Michigan businesses secure professional liability insurance matching their coverage needs and budget. Understanding how to get business insurance in Michigan requires considering the state's diverse business landscape from Detroit's automotive sector to Ann Arbor's tech corridor.
- 1Assess your professional liability insurance coverage needs
Start by evaluating your business risks, client contract requirements and any Michigan-specific mandates like MSHDA's coverage requirements for architects. A Grand Rapids engineering consultant serving automotive suppliers needs higher limits than a Lansing freelance graphic designer working with local retailers.
- 2Work with a local agent
Find an agent who knows Michigan's business environment and how business insurance costs fluctuate between automotive manufacturing and emerging cannabis industries. Agents familiar with LARA licensing requirements can explain coverage nuances for Detroit health care consultants versus Ann Arbor tech startups operating through MEDC SmartZones.
- 3Get quotes and compare coverage details
Request quotes from at least three insurers, examining policy exclusions and coverage limits rather than just seeking cheap business insurance rates. A Flint cannabis business should verify each policy covers product liability alongside professional services, while a Dearborn engineering firm should verify errors and omissions coverage for automotive industry work.
- 4Research the best providers
Look beyond price to find insurers with strong AM Best ratings and proven experience covering Michigan's dominant industries like automotive, manufacturing and health care. Insurers familiar with Michigan's regulatory environment understand state-specific professional licensing requirements and how seasonal patterns affect northern Michigan tourism consultants.
- 5Consider bundling discounts
Michigan insurers often reward businesses that combine professional liability with general liability or commercial property coverage. A Kalamazoo accounting firm with both office space and consulting services can save 15% by bundling professional liability with other types of business insurance in a business owner's policy.
- 6Don't let your coverage lapse
Professional liability covers lawsuits filed during your active policy period even for work completed years earlier, critical for Michigan's project-based industries like automotive engineering and construction. A Traverse City architect switching carriers after completing MSHDA projects should purchase tail coverage (extended reporting coverage) from their previous insurer protecting past designs.
Get Michigan Professional Liability Insurance Quotes
MoneyGeek matches Michigan business owners with top professional liability insurance providers for your industry. Use our tool below to find your best provider match and receive customized quotes for your business.
Get Matched to the Best MI Professional Liability Insurer for You
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Michigan Professional Liability: Bottom Line
Finding the right professional liability insurance in Michigan starts with understanding your business risks and matching them to provider strengths. ERGO NEXT ranks first in our analysis, though your industry, client contracts and budget should guide your decision. Assess your coverage needs first, then let a Michigan agent compare options and secure protection that financially safeguards 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.