Professional Liability Insurance Edmonton

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Professional Liability Insurance Edmonton.

Getting a business off the ground and having it remain competitive is easier said than done. As a professional, you must manage your quality of work, customer management and safeguard your business against potential risks.

There is always the risk that something could go wrong when you’re dealing with clients. Whatever the size of your organization in Edmonton, a professional liability insurance policy can go a long way to preserving your business finances and its reputation.

We are happy to get you started on a free, no-obligation professional liability insurance quote in Edmonton.

Best of all, we offer instant coverage with our easy-to-use online tool. Get a FREE quote, secure your policy and pay for it—all in three easy steps.

Step 1: Enter your information for a FREE quote.


Step 2: Select the policy that works for you.


Step 3: Pay for it online


In just 5 minutes or less, you can find, secure and pay for your policy. No sales tactics. No pressure. No middleman. It’s the fast and simple way to get affordable and effective Professional Liability Insurance.

Get the Professional Liability Insurance Edmonton professionals rely on and protect your finances, reputation and livelihood.




Professional Liability Insurance Explained

Professional liability insurance, also called errors and omissions (E&O) insurance, is designed to protect Edmonton-based professionals from allegations against their business due to negligence, and errors and omissions


You may need to carry this type of coverage for two reasons: 

  • If you are contractually obligated to have insurance.
  • To combat the high cost of a lawsuit if you are sued.

Lawsuits can be extremely expensive. Depending on your industry (and if it is required) a professional liability policy in Canada will require your business to obtain at least $1 million in coverage.


Professional liability insurance can cover your business for: 

  • Settlements
  • Legal fees
  • Administrative fees
  • Defense costs
  • And more

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What’s the Difference Between Commercial General Liability and Professional Liability Insurance?


Professional liability insurance and commercial general liability insurance both offer liability coverage to businesses but are triggered by different types of losses. The policies may also be structured differently in how they come into effect when a claim is filed.

Another difference between CGL and professional liability insurance is CGL policies tend to be written in an occurrence form, while PLI policies may be written as claims made. This means that, for professional liability insurance, your policy will only trigger claims that are made against your business and reported to your provider during the policy term.

What Does Professional Liability Insurance in Edmonton Cover?

Professional liability insurance for Edmonton professionals helps defend businesses by covering legal expenses if they are sued for negligence or errors and omissions. Negligence can take many shapes and forms.

Here are a few examples of claims that a professional liability insurance policy may cover:

  • While filing a report at a health clinic, you make an administrative error, which results in unnecessary costs being added to a patient’s bill.
  • You work as a therapist, and your customer feels as if your counselling efforts are ineffective. They are suing to recover what they paid for your services.
  • While working as a marketing consultant, you overbook yourself and fail to meet a critical deadline. Your client is suing you for lost time.


Professional liability insurance can cover a variety of scenarios for a professional offering services or advice. For example, whether you are a tax accountant or an IT consultant you will likely require a PLI policy. Read our blog on this subject here: tax accountant protecting yourself against the unexpected

To safeguard your bottom line, professional liability insurance – in its many forms – can give you peace of mind and it will allow you to get back to doing what you do best.


Every policy has its limits. At EasyCover, we offer three levels of protection: $1 million, $2 million, or $5 million. These limits are the total amount your policy will pay out over a 12-month period, even if you make multiple claims during that period. 

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Professional Liability Insurance to Edmonton Professionals

Whether you’re a freelance contractor, business owner or full-time employee operating in and around the Edmonton area, at EasyCover Canada we provided affordable Professional Liability Insurance Edmonton businesses need for comprehensive coverage and peace of mind. Get Professional Liability Insurance for a wide range of Edmonton industries and professions, including:

How Does Professional Liability Insurance Work?

Since professional liability insurance is written as a claims-made insurance policy, only claims made during the coverage period are covered by your insurer.


PLI policy contains two distinct features:  

  • Extended reporting date: the date in the future when claims may still be covered, even if your policy has ended.
  • Unlimited Retroactive date: the inception of the policy period that may be set to a date in the past.


So long as your claim meets the following conditions, your claim should be honoured:

  1. You only became aware of the grievance against you during the policy term.
  2. The claim is reported to us during the policy term.


Typically, most professional liability insurance policies will place the retroactive date to the policy’s inception date. This means you would have no coverage for any work you did prior to that policy’s initial inception date.

What Is Not Covered by a Professional liability insurance Policy in Edmonton?


Your errors and omissions policy does not cover any intentional harm, fraudulent acts, or criminal activity. It also will not cover any claims that would otherwise fall under the scope of another type of business insurance policy, such as CGL insurance, which covers third-party bodily injury or property damage.


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Professional Liability Claims

Insurance claims can vary depending on many factors. Here are some scenarios that your professional liability insurance policy may cover for your Edmonton-based business:

Professional negligence

  • A client alleges that they did not receive the promised level of service and makes a claim against you. Your professional liability insurance may kick in to cover the settlement costs and any financial compensation that the client is entitled to.

Errors & Omissions

  • An error you make while working on a project results in a project delay. The client sues you for their lost time. Your professional liability insurance policy protects you from losses.

What Does it Cost For a PLI Policy in Edmonton?

Many factors can affect a business’ insurance rates, including the number of employees, coverage options, and annual revenue.

  • A business in a higher risk industry may pay more for their insurance rate. For example, a lawyer might end up paying more for their coverage than a software developer.
  • A business that earns more annual revenue a year with multiple employees may pay more than a business who earns less per year with no employees.

Working with EasyCover can help you save on your premium. Get a free quote with our simple three-step process.


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Edmonton Business Resources

If you’re a consultant or business located in Edmonton, here are a few resources that can help you operate more effectively:

Professional Liability in Edmonton: FAQs

Depending on your profession or occupation, a professional liability insurance policy may be legally required. Some professions including lawyers, contractors, doctors, and real estate agents often have a professional liability insurance policy to safeguard their business from potential risks.

Your insurance company will provide you with a document that serves as your proof of insurance. This is your certificate of E&O liability insurance.

You can cancel your professional liability insurance policy, but we highly advise against it while your business is still active and operating. Consult with your broker about pricing options if you aren’t satisfied with your current insurance rates or what better coverage options.

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