Professional Liability Insurance in Pulaski County, KY — Protecting Your Reputation & Financial Future Across Kentucky
Whether you’re a consultant in Somerset, a contractor in Pulaski County, or a service provider working with clients across Kentucky, your business faces risks that general liability insurance doesn’t cover. One mistake, missed deadline, or miscommunication can lead to costly claims — even if you did nothing wrong.
At Stewart & Tucker Insurance, we provide Professional Liability (Errors & Omissions) Insurance tailored to your profession, risk level, services, and clients. As independent agents, we compare quotes from top carriers so you get the precise protection you need — without overpaying.
What Should Your Professional Liability Policy Cover?
Professional Liability Insurance protects you against claims arising from the services you provide — especially in industries where advice, expertise, or professional judgment are central to your work.
Every Kentucky business offering a service should consider coverage that includes:
Errors, Omissions, & Negligence
Covers financial losses caused by mistakes, oversights, or perceived failures in your professional services — whether the claim is valid or not.
Legal Defense & Court Costs
Pays attorney fees, discovery costs, settlements, and judgments — even if the lawsuit is baseless.
Missed Deadlines or Undelivered Services
Provides protection if your client claims financial harm due to delays or incomplete work.
Professional Misrepresentation
Covers allegations that your advice, recommendations, or professional claims caused financial loss.
Libel, Slander & Defamation
Protects you against claims involving reputation damage arising from professional communication.
Contractual Liability Options
Helps satisfy client contract requirements with certificates of insurance, additional insured options, and custom endorsements.
Add‑Ons That Matter
Different professions face different risks. These endorsements help tailor your E&O coverage:
Cyber Liability Add-On
Protects against client data breaches, email compromises, and digital exposures.
Employee Professional Services Coverage
Ensures mistakes made by employees or subcontractors are covered.
Prior Acts / Retroactive Coverage
Protects against claims stemming from work performed before your policy start date.
Why It Matters
Why Professional Liability Insurance Matters in Kentucky
Kentucky’s business landscape — from real estate and contracting to consulting, healthcare, and financial services — carries real liability exposure. Even the most careful professional can face claims such as:
- “You gave incorrect advice.”
- “Your work caused financial damage.”
- “You missed the deadline and cost us money.”
- “Your recommendation didn’t produce the expected results.”
One claim can impact your operations, finances, and reputation. Professional liability helps you:
- Defend your business against costly legal action
- Protect your income from unexpected claims
- Meet client contract requirements
- Maintain trust and credibility in your industry
What You Need to Know About Professional Liability in Kentucky
Is professional liability required by law?
Not always — but many industries, contracts, and professional associations require it.
Who needs E&O coverage?
Professionals such as consultants, realtors, contractors, inspectors, accountants, engineers, designers, IT providers, healthcare professionals, financial advisors, and more.
Does general liability cover professional mistakes?
No. General liability covers bodily injury and property damage — not financial losses caused by your services.
Can I bundle professional liability with other business policies?
Often yes. E&O can be packaged with BOPs, cyber, commercial property, and umbrella coverage.
Does my policy cover former work?
With retroactive (prior acts) coverage, yes. Without it, prior projects may be excluded.
Get Professional Liability Coverage You Can Count On
Your expertise is your business — protect it with coverage that strengthens your credibility and shields your finances. Whether you’re a one-person operation or a growing firm serving clients across Kentucky, Stewart & Tucker Insurance helps you build an E&O plan that fits your work and your risks.