ERGO NEXT ranks first in MoneyGeek's Pennsylvania analysis for professional liability insurance, combining competitive rates with highly rated customer service and streamlined digital tools. The Hartford leads in affordability at $83 per month ($7 below the state average), making it Pennsylvania's cheapest professional indemnity insurer. Simply Business, biBERK and Nationwide round out our top five providers for errors and omissions insurance in Pennsylvania.
Best Professional Liability Insurance in Pennsylvania
Get PA professional liability insurance quotes starting at $32 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 Pennsylvania: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Pennsylvania, while The Hartford offers the most affordable coverage starting at $83 monthly (Read More).
Professional liability insurance costs average $90 per month in Pennsylvania ($1,075 annually), placing the state among the more affordable options nationwide (Read More).
Professional liability insurance protects Pennsylvania businesses against claims from professional mistakes, negligence and failure to deliver promised services (Read More).
Pennsylvania businesses aren't legally required to carry professional liability insurance, though health care providers and other regulated professions often need coverage (Read More).
Getting small business insurance quotes from multiple providers helps Pennsylvania businesses secure the best professional liability coverage for their specific needs (Read More).
Best Professional Liability Insurance Companies in Pennsylvania
| ERGO NEXT | 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 the Best Professional Liability Insurance in Pennsylvania?
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 for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN PENNSYLVANIA
Professional liability insurance in Pennsylvania works best as part of a comprehensive business protection strategy. We've provided these additional state-specific guides:
1. ERGO NEXT: Best Professional Liability Insurance in PA
pros
Ranks first in MoneyGeek's Pennsylvania professional liability analysis
Leads customer service and digital experience ratings nationally
Secures coverage in 10 minutes with instant certificates
Personalized coverage matching for types and limit amounts
cons
Less than 10 years in business since 2016 founding
Claims process ranks fourth nationally among reviewed providers
COMPANY HIGHLIGHTS
Pennsylvania small business owners choose ERGO NEXT when speed and simplicity matter most for professional liability coverage. Get covered in 10 minutes online versus days of phone calls with traditional insurers. Philadelphia consultants starting new client projects and Pittsburgh tech professionals download instant certificates the same day, meeting contract requirements immediately. At $84 monthly, you'll pay less than competitors like Hiscox and Nationwide while managing your entire policy from your phone with no office hours or hold times.
2. The Hartford: Cheapest Professional Liability Insurance in PA
pros
Lowest professional liability rates in Pennsylvania at $83 monthly
Ranks first for claims handling and overall customer satisfaction
A++ Superior financial rating from AM Best
Specialized E&O coverage for tech, legal and medical professionals
cons
Digital experience ranks 10th nationally among reviewed providers
Not available in Alaska and Hawaii
COMPANY HIGHLIGHTS
Save $84 annually with The Hartford's $83 monthly rate, which beats Pennsylvania's $90 average. Get claims paid faster with the top-rated claims process nationally, letting you focus on your business instead of fighting for reimbursement. Pittsburgh law firms meet Pennsylvania Bar requirements with specialized legal malpractice policies, while Philadelphia medical practices satisfy hospital credentialing without coverage gaps. Call a local agent for immediate answers instead of searching help articles or waiting days for email responses.
3. Simply Business: Best Professional Liability Insurance Coverage Options in PA
pros
Ranks first for coverage options with 16+ carrier network
Digital experience ranks third nationally among reviewed providers
Backed by Travelers' A++ Superior financial rating
Broker model finds coverage for hard-to-insure businesses rejected elsewhere
cons
More expensive than competitors
Claims process ranks eighth nationally among reviewed providers
COMPANY HIGHLIGHTS
Get professional liability coverage in Pennsylvania even after other insurers reject you. Philadelphia cannabis businesses and Pittsburgh drone operators secure policies that cover their actual operations instead of generic coverage with exclusions. Compare multiple quotes in 10 minutes from one application instead of calling six companies and explaining your business repeatedly. At $88 monthly, you'll pay more upfront but avoid claim denials from cheaper policies with industry-specific exclusions.
Average Cost of Professional Liability Insurance in Pennsylvania
Professional liability insurance costs in Pennsylvania vary by industry. Home-based businesses pay the lowest rates at around $43 per month, while mortgage brokers face the highest costs at approximately $193 per month. You can find specific rates for your industry using the filtering tool below to compare coverage options.
Data filtered by:
Select
| 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 Pennsylvania 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 for accurate pricing tailored to your business needs.
What Does Pennsylvania Professional Liability Insurance Cover?
Professional liability insurance protects Pennsylvania businesses from financial losses when clients claim negligence or unmet contract terms. Professional liability insurance also covers legal expenses that come with defending these claims. This coverage goes by several other names:
- 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 Pennsylvania?
Pennsylvania doesn't require professional liability insurance for most businesses. Contract work requires $1 million per occurrence and $2 million aggregate coverage. Health care professionals must carry $1 million per occurrence and $3 million aggregate through Pennsylvania's MCARE Fund ($500,000 private insurance plus $500,000 state excess coverage).
Who Needs Professional Liability Insurance in Pennsylvania?
Professional liability insurance matters for Pennsylvania businesses handling client contracts or providing professional services where errors could cause financial harm. If your work involves client agreements or professional advice, you should consider errors and omissions coverage.
Medical professionals
Pennsylvania law requires physicians, physician assistants and nurse-midwives to maintain professional liability coverage through the state's MCARE Fund system (unique to Pennsylvania), which combines $500,000 in private malpractice insurance with $500,000 in state excess coverage. License suspension occurs without proper proof of insurance, making medical malpractice coverage essential for practicing medicine in Pennsylvania.
Tech professionals
Pittsburgh ranks in the top 10 U.S. cities for STEM careers, and Pennsylvania's Economic Development Strategy officially targets robotics and technology as a priority growth sector. Tech consultants, software developers and IT professionals need tech E&O insurance to cover claims from data breaches, missed project deadlines or system failures that cause client financial losses.
Physical and occupational therapists
Physical therapists and occupational therapists must carry $1 million per occurrence professional liability coverage to maintain Pennsylvania licensure under state regulations. Allied health professionals face discipline from Pennsylvania's licensing boards, including license suspension, if they fail to provide proof of required insurance coverage.
Construction and contracting professionals
Pennsylvania's Home Improvement Consumer Protection Act requires contractors performing more than $5,000 annually in residential work to register with the Attorney General's office and maintain minimum liability coverage. With over 70,000 registered contractors statewide, professional liability insurance protects against claims of faulty workmanship, project delays or failure to meet contract specifications.
Financial and consulting professionals
Pennsylvania is home to 23 Fortune 500 companies, with Philadelphia and Pittsburgh serving as major corporate centers driving demand for financial advisors and business consultants. Accountants face oversight from the State Board of Accountancy, and professional liability coverage protects against claims of negligent advice or errors causing client financial harm.
How to Get the Best Professional Liability Insurance in Pennsylvania
Our step-by-step guide helps Pennsylvania businesses navigate getting business insurance that matches your professional liability needs and budget. Follow these six steps to secure coverage that protects your Pennsylvania business.
- 1
Assess your professional liability insurance coverage needs
Start by understanding your business risks and Pennsylvania-specific requirements like MCARE Fund participation for healthcare providers or Attorney General registration for contractors exceeding $5,000 in annual home improvement work. An Erie manufacturing consultant serving automotive clients needs different liability limits than a Philadelphia gene therapy startup working with FDA-regulated products.
- 2
Work with a local agent
Look for an agent who knows Pennsylvania's regulatory landscape and understands how business insurance costs vary across the state's diverse economy. Local agents can explain whether your Pittsburgh robotics firm needs different coverage than similar businesses in Harrisburg serving government contractors, or how Philadelphia's concentration of Fortune 500 companies affects liability exposure for consultants.
- 3
Get quotes and compare coverage details
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like exclusions and deductibles specific to Pennsylvania industries. An Allentown financial advisor should examine whether policies exclude claims related to cryptocurrency or alternative investments, not just compare premium costs on $1 million liability policies.
- 4
Research the best providers
When researching business insurance in Pennsylvania, look beyond price to find insurers with strong financial ratings, experience handling claims in Pennsylvania courts and familiarity with state-specific requirements like MCARE Fund coordination for healthcare professionals. Check AM Best ratings and read reviews from other professionals in your Pennsylvania region and industry.
- 5
Consider bundling discounts
Many Pennsylvania insurers offer premium discounts when you combine professional liability with other types of business insurance like general liability or commercial property coverage. A Reading CPA firm serving Pennsylvania's agricultural sector saves $1,200 annually (15%) by bundling professional liability, general liability and cyber insurance under one carrier.
- 6
Don't let your coverage lapse
Professional liability policies protect you only from lawsuits filed while your policy is active, even if the alleged error occurred years earlier. A Scranton health care consultant switching carriers must ensure the new policy covers prior acts dating back to when Pennsylvania's MCARE Fund structure changed, or purchase tail coverage (extended reporting coverage) from the old insurer to avoid gaps.
Get Pennsylvania Professional Liability Insurance Quotes
MoneyGeek matches Pennsylvania business owners to professional liability insurance providers specializing in your industry. Use our tool below to identify your best coverage match and receive tailored quotes for your business.
Get Matched to the Best PA Professional Liability Insurer for You
Select your industry and state to get a customized PA professional liability insurer match and get tailored quotes.
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Pennsylvania Professional Liability: Bottom Line
Finding professional liability insurance in Pennsylvania that fits your business starts with understanding your risks and selecting the right provider. ERGO NEXT earns our top rating, but your industry, client contracts and budget should guide your final choice. Assess your coverage needs first, then let a Pennsylvania agent help you compare options and secure coverage that protects your business financially.
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.