Professional Liability Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Plastering contractor insurance is a specialized commercial insurance that’s intended for plastering contractors. In order to protect against both property and liability risks, most of these policies come as package policies that let contractors choose from a range of available protections.

Doctors, nurses, physician assistants and other medical professionals
Lawyers, paralegals and legal professionals
Financial planners and advisors

Medical Malpractice Coverage
Legal Malpractice Coverage
Directors and Officers Coverage

What is Professional Liability Insurance?

Those who earn their living by providing professional services are generally expected to apply their expertise to clients’ situations correctly. If they ever make an error, affected parties may seek compensation for any harm or loss incurred. Professional liability insurance can help protect professionals working in Massachusetts from certain claims and lawsuits that arise from alleged work-related errors.

Professional liability insurance is a specially designed type of commercial liability insurance. As a liability protection, the insurance normally helps with covered claims’ legal fees, judgements and settlements. In many cases, policies will begin assisting with legal fees before responsibility is determined.

Who in Massachusetts Are Professional Liability Policies Right For?

Most people who work in Massachusetts as a professional should consider getting a professional liability policy. Examples of professionals who might benefit from the coverages provided by a policy include:

Doctors, nurses, physician assistants and other medical professionals
Lawyers, paralegals and legal professionals
Financial planners and advisors
Insurance brokers and agents
Real estate brokers and agents
Homebuilders, developers and contractors
Engineers and architects
Plumbers, electricians and other tradespeople

Business owners and workers who are unsure whether they’re in need of this insurance should talk with an insurance agent about their situation. An agent who specializes in professional liability policies will be able to make informed recommendations regarding coverage.

TESTIMONIALS

Customers Love Us

I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

Sikla wolfy, Google Review
We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

DC, Google Review
I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

Nika Hollingsworth, Google Review

Winchester, MA
I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

Erin McCabe, Google Review
Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

Pat McCarthy,Google Review
I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

Lindsay Porziella, Google Review
James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

Ashleigh Cregan
Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

Jessie Bowen
Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

Anna Marguerite
I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

Ashlyn Tuffy

What Types of Professional Liability Policies Do Insurance Companies Offer?

Because these policies are used by people in many different vocations, insurance companies offer a few different types of professional liability policies. Some of the more common options are:

Medical Malpractice Coverage
Legal Malpractice Coverage
Directors and Officers Coverage
Errors and Omissions Coverage

Errors and omissions coverage is the form of professional liability protection that’s often used to insure professionals who give advice. For example, financial advisors, insurance agents and real estate agents frequently can benefit from E&O coverage. Builders and tradespeople sometimes also want it for times when they give advice.

Because there’s a variety of professional liability policies, professionals should work closely with an insurance agent who specializes in this type of coverage when shopping for a policy. A knowledgeable agent will have the expertise needed to select the right type of policy based on a professional’s individual situation.

Are Employees Covered by Employers’ Professional Liability Policies?

Professionals who work directly for an organization may be covered by a professional liability policy that the organization purchases. There are frequently limits to when any such policy’s coverage, though.

In addition to any claims maximums, employer-provided coverage often doesn’t extend to any side work or charitable efforts. Professionals who offer their services in a consulting role or on a pro-bono basis at times may want to purchase their own policy. Without another policy, coverage gaps may leave them exposed to unnecessary risk.

Are Professional Liability Policies Available Through Package Policies?

Professional liability policies are widely available as both stand-alone policies that are purchased individually and through package policies that combine several commercial coverages together. Many insurance companies in Massachusetts have package policies that come with extensive coverage options which include professional liability coverage selections. Some of these package policies are even underwritten for professionals in a particular industry.

How Can Professionals Get Professional Liability Insurance?

For help finding professional liability insurance that’s well-suited to your line of work, contact the independent and experienced insurance agents at Paul T. Murphy Insurance. Our agents have assisted many professionals in Massachusetts with their insurance needs, and they can find you a policy that’ll give you robust protections.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.