NEXT offers the best professional liability insurance in Pennsylvania, delivering affordable rates and reliable customer support. The Hartford ranks second overall, while Simply Business claims third place.
Professional Liability Insurance in Pennsylvania
NEXT earns the highest score of 4.73 out of 5 in our analysis of the best professional liability insurance in Pennsylvania.
Get matched to top professional liability insurance providers for your business in Pennsylvania.
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Updated: October 28, 2025
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Best Professional Liability Insurance in Pennsylvania: Key Takeaways
NEXT is our top pick for professional liability insurance in Pennsylvania, followed by The Hartford and Simply Business.
Your industry risks, client contracts, potential claim costs and budget determine the best Pennsylvania professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best professional liability insurance in Pennsylvania.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in Pennsylvania
| NEXT Insurance | 4.73 | $84 |
| The Hartford | 4.64 | $83 |
| Simply Business | 4.51 | $88 |
| biBERK | 4.45 | $91 |
| Nationwide | 4.45 | $95 |
| Coverdash | 4.44 | $90 |
| Progressive Commercial | 4.39 | $87 |
| Hiscox | 4.38 | $88 |
| Chubb | 4.28 | $102 |
| Thimble | 4.25 | $88 |
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 coverage protects your business, but understanding other coverage types helps create comprehensive financial protection for Pennsylvania companies.
Best Pennsylvania 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 Pennsylvania businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Premium
$84These 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
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Premium
$83These 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 Pennsylvania
The Hartford provides the cheapest professional liability insurance in Pennsylvania at $83 monthly ($995 annually). NEXT offers another affordable option for business owners, with coverage starting at $84 per month.
| The Hartford | $83 | $995 |
| NEXT Insurance | $84 | $1,006 |
| Progressive Commercial | $87 | $1,042 |
| Hiscox | $88 | $1,053 |
| Thimble | $88 | $1,055 |
| Simply Business | $88 | $1,060 |
| Coverdash | $90 | $1,083 |
| biBERK | $91 | $1,088 |
| Nationwide | $95 | $1,142 |
| Chubb | $102 | $1,226 |
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 Pennsylvania
Professional liability insurance costs $90 monthly ($1,075 annually) in Pennsylvania, which is $12 more than the national average. Mortgage brokers pay the highest rates at $193 per month, while home-based businesses pay around $43 monthly. Your specific rate depends on factors like business location, claims history and coverage limits.
| Accountants | $168 | $2,014 |
| Ad Agency | $115 | $1,385 |
| Auto Repair | $94 | $1,134 |
| Automotive | $86 | $1,029 |
| Bakery | $62 | $744 |
| Barber | $50 | $595 |
| Beauty Salon | $56 | $678 |
| Bounce House | $67 | $808 |
| Candle | $46 | $558 |
| Cannabis | $143 | $1,721 |
| Catering | $91 | $1,096 |
| Cleaning | $63 | $750 |
| Coffee Shop | $70 | $840 |
| Computer Programming | $122 | $1,458 |
| Computer Repair | $73 | $871 |
| Construction | $89 | $1,074 |
| Consulting | $124 | $1,486 |
| Contractor | $74 | $888 |
| Courier | $58 | $693 |
| DJ | $53 | $637 |
| Daycare | $125 | $1,500 |
| Dental | $97 | $1,158 |
| Dog Grooming | $63 | $750 |
| Drone | $124 | $1,483 |
| Ecommerce | $70 | $835 |
| Electrical | $74 | $888 |
| Engineering | $120 | $1,445 |
| Excavation | $77 | $922 |
| Florist | $44 | $523 |
| Food | $128 | $1,534 |
| Food Truck | $68 | $818 |
| Funeral Home | $92 | $1,103 |
| Gardening | $46 | $557 |
| HVAC | $95 | $1,138 |
| Handyman | $63 | $760 |
| Home-based business | $43 | $511 |
| Hospitality | $84 | $1,006 |
| Janitorial | $57 | $689 |
| Jewelry | $71 | $848 |
| Junk Removal | $79 | $943 |
| Lawn/Landscaping | $60 | $714 |
| Lawyers | $169 | $2,034 |
| Manufacturing | $68 | $819 |
| Marine | $102 | $1,225 |
| Massage | $122 | $1,469 |
| Mortgage Broker | $193 | $2,316 |
| Moving | $92 | $1,104 |
| Nonprofit | $58 | $694 |
| Painting | $73 | $871 |
| Party Rental | $63 | $757 |
| Personal Training | $83 | $996 |
| Pest Control | $109 | $1,307 |
| Pet | $53 | $631 |
| Pharmacy | $66 | $796 |
| Photography | $74 | $885 |
| Physical Therapy | $108 | $1,297 |
| Plumbing | $102 | $1,226 |
| Pressure Washing | $67 | $799 |
| Real Estate | $142 | $1,706 |
| Restaurant | $94 | $1,129 |
| Retail | $63 | $755 |
| Roofing | $115 | $1,376 |
| Security | $113 | $1,360 |
| Snack Bars | $55 | $665 |
| Software | $108 | $1,299 |
| Spa/Wellness | $130 | $1,561 |
| Speech Therapist | $112 | $1,350 |
| Startup | $83 | $1,002 |
| Tech/IT | $115 | $1,375 |
| Transportation | $108 | $1,299 |
| Travel | $111 | $1,330 |
| Tree Service | $88 | $1,055 |
| Trucking | $128 | $1,532 |
| Tutoring | $70 | $836 |
| Veterinary | $134 | $1,609 |
| Wedding Planning | $90 | $1,077 |
| Welding | $90 | $1,075 |
| Wholesale | $70 | $839 |
| Window Cleaning | $73 | $876 |
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 Pennsylvania?
Professional liability insurance requirements differ by profession in Pennsylvania, with some fields like health care and law facing stricter mandates than others. Even when coverage isn't legally required, the right amount depends on your specific risk exposure and what clients expect from you. Many higher-risk professions carry at least $1 million per occurrence and $3 million aggregate as industry standard.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in Pennsylvania carry greater liability exposure than others, directly affecting your coverage needs. Technology consultants in Pittsburgh's innovation district and architects designing major Philadelphia developments face higher risk and need more coverage. Professional liability insurance for accountants in Harrisburg or real estate agents in suburban markets need less financial protection in comparison.
Client Requirements
Many clients and contracts in Pennsylvania require proof of professional liability insurance at specific limits before work begins. Corporations headquartered in Philadelphia, state government contracts in Harrisburg, and large healthcare systems throughout Pennsylvania often mandate minimum coverage of $1 million or more. Meeting these contractual requirements is essential for winning and maintaining business relationships.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a professional liability lawsuit in Pennsylvania's legal environment. Small mistakes might result in claims of $10,000 to $50,000, while errors affecting major projects could lead to six-figure damages plus legal defense costs exceeding $100,000. Consider the largest project or client you serve when determining appropriate coverage limits.
How to Get the Best Professional Liability Insurance in Pennsylvania
Our guide shows you how to get business insurance that matches your Pennsylvania professional liability needs and budget.
- 1Evaluate Your Risk Exposure
Different businesses face varying liability risks across Pennsylvania. A local architect needs higher coverage limits than an independent marketing consultant. Review your industry standards and any coverage requirements spelled out in client contracts.
- 2Find a Knowledgeable Agent
Look for an agent who knows Pennsylvania's business landscape and understands how business insurance costs vary by location and industry. Local expertise helps match your coverage to regional industry demands. Experienced agents know which carriers work best for Pennsylvania businesses.
- 3Collect Multiple Detailed Quotes
Request quotes from at least three insurers, comparing affordable business insurance rates and policy terms like exclusions and deductibles. A $1 million policy from one carrier may offer different protection than another's identical limit.
- 4Verify Insurer Financial Strength
When researching business insurance in Pennsylvania, look beyond price. Research each carrier's AM Best rating and claims-handling reputation before deciding. Strong financial ratings indicate the insurer can pay claims when needed. Read professional reviews and check how quickly carriers resolve disputes in your industry.
- 5Explore Package Deal Savings
Many insurers offer discounts when you get several types of business insurance coverage from one provider. Bundle professional liability with general liability or business owner's policies since these package deals often reduce overall costs while simplifying policy management. Ask about available multi-policy discounts during the quote process.
- 6Prevent Coverage Gaps
Professional liability operates on a claims-made basis, meaning your policy must be active when someone files a claim. Always secure prior acts coverage or purchase tail coverage when switching insurers. Coverage lapses leave you exposed to lawsuits from past work.
How to Prevent Professional Liability Claims in Pennsylvania
Professional liability claims typically result from poor communication and vague client expectations rather than genuine professional mistakes. Small disputes can quickly generate significant legal expenses. These proven strategies help Pennsylvania businesses prevent conflicts and avoid expensive liability claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and client approvals. This documentation helps prevent disputes by providing a clear record of what was agreed upon. Proper documentation serves as your first line of defense if disagreements arise.
Use Detailed Contracts With Clear Scope
Create contracts that clearly define responsibilities, timelines and deliverables for every project. Outline what is included and excluded from your services to avoid conflicts over additional work requests. Well-defined contracts protect both you and your clients by establishing clear boundaries.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before moving forward with any modifications. Document how these changes affect timelines, budgets and final deliverables to prevent misunderstandings. Immediate communication prevents small issues from becoming major disputes.
Set Realistic Expectations Upfront
Be transparent about project timelines, potential challenges and expected results from the start. Honest communication about your capabilities helps avoid overpromising and reduces the likelihood of client disputes. Setting realistic expectations builds trust and prevents disappointment.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional choices. This documentation demonstrates your diligence and can provide crucial protection if your work is questioned later. Detailed records show you followed proper procedures and made informed decisions.
Pennsylvania Professional Liability: Bottom Line
Professional liability insurance decisions in Pennsylvania start with understanding your business risks and client demands. NEXT leads our ratings, but your industry type, existing contracts and available budget matter more than rankings alone. Assess your coverage needs first, then connect with a local agent to compare policies. The right professional liability coverage delivers essential financial protection when you need it most.
Pennsylvania Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in Pennsylvania.
What does professional liability insurance cost in Pennsylvania?
Professional liability insurance in Pennsylvania ranges from $83 to $102 monthly, depending on the provider. Your actual premium varies based on your industry's risk level, claims history, coverage limits and business location within the state.
Which professional liability insurance company is best in Pennsylvania?
NEXT ranks as the top professional liability insurance company in Pennsylvania, scoring 4.73 out of 5 for its affordable rates and excellent customer service. The Hartford follows closely at 4.64, while Simply Business rounds out the top three with a 4.51 rating for competitive coverage options.
How much professional liability coverage do I need in Pennsylvania?
Professional liability coverage needs in Pennsylvania vary based on your industry risk level, client contract demands and potential lawsuit expenses. High-risk professions like architects and consultants need higher coverage limits, while businesses in lower-risk fields may require less comprehensive protection.
Are professional liability and E&O insurance the same thing?
Yes, they're identical. Professional liability and errors and omissions (E&O) insurance both cover mistakes in your professional services. The different names come from industry preferences. For example, lawyers often say E&O while healthcare providers say professional liability, but the financial protection works the same way.
How We Scored the Best Professional Liability Insurance Companies in Pennsylvania
A professional liability lawsuit can devastate a small business in Pennsylvania or force it to close entirely. We evaluated insurers across the state to identify which companies provide the most reliable financial protection for businesses from startups to well-established firms.
Our Scoring System
- Affordability (50%): Cost drives most small business insurance decisions. We weighted affordability heaviest because businesses need strong coverage that fits their budget constraints.
- Customer experience (30%): Quality service during claims can make or break a business facing liability issues. We analyzed J.D. Power ratings and complaint records from the state's Department of Insurance.
- Coverage options (15%): We reviewed policy flexibility and exclusions to ensure they serve the diverse needs of local professional services.
- Financial strength (5%): AM Best financial ratings confirmed each recommended insurer maintains the stability to pay professional liability claims when businesses need it 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Alliance Health. "Provider Insurance Requirements." Accessed November 13, 2025.