Professional Liability Insurance in Hattiesburg
Protect Your Reputation — and Your Bottom Line
Even the most skilled professionals can be accused of making a mistake. Whether it’s an oversight, a miscommunication, or a failed deliverable, Professional Liability Insurance (also known as Errors & Omissions Insurance) helps protect your business from the financial fallout of client claims.
At Howlett Insurance Agency, we help Mississippi’s service professionals, consultants, and specialists secure affordable, effective protection that keeps their work — and their future — safe.
What Does Professional Liability Insurance Cover?
This coverage is specifically designed for professionals whose work involves providing advice, services, or expertise. It helps cover:
Negligence or Service Errors
Protection against claims that you made a mistake, missed a detail, or failed to deliver promised results.
Misrepresentation
Covers claims that you gave inaccurate advice or misled a client — intentionally or not.
Breach of Professional Duty
Helps defend against accusations that you didn’t meet industry standards or obligations in your field.
Legal Defense
Covers attorney fees, court costs, and settlements — even if the claims are groundless.
Client Financial Loss
Provides reimbursement for financial harm your services may have unintentionally caused.
This coverage is essential for professionals in consulting, accounting, legal services, marketing, real estate, IT, and more.
Industries We Serve
At Howlett Insurance Agency, we deliver tailored commercial coverage for businesses across Hattiesburg and surrounding counties. Our Professional Liability policies are trusted by:
Contractors & Construction Trades
Supplement coverage with protection against project delays, miscommunication, and consulting risks.
Restaurants & Food Vendors
Ideal for caterers, franchise consultants, or safety auditors providing services beyond food prep.
Retail Businesses
E-commerce consultants, inventory planners, and marketing professionals benefit from E&O protection.
Janitorial & Cleaning Services
Coverage for misrepresentation claims, service errors, or third-party damage allegations.
Professional Services
Protection for lawyers, accountants, business consultants, and advisors across Mississippi.
Why Choose Howlett Insurance Agency?
We understand that your work is your reputation — and we take that seriously.
Profession-Specific Expertise
We build policies that reflect the unique exposures of your role, not one-size-fits-all plans.
Mississippi-Based Service
As a Hattiesburg agency, we’re right here when you need help or answers — no waiting, no call centers.
Independent and Honest
We’re not tied to one carrier, so we offer options that prioritize what’s right for you.
Guided Policy Setup
We explain what your policy covers — and what it doesn’t — so there are no surprises down the line.
Common Questions About Professional Liability Insurance
Do I need this if I already have general liability insurance?
Yes. General liability covers physical harm (injuries or property damage). Professional liability covers financial harm caused by your services or advice — they protect different risks.
Which professionals benefit most from this insurance?
Any service provider who gives advice or completes client projects — including IT consultants, accountants, engineers, real estate professionals, designers, and marketing firms.
Does this cover me if the claim is baseless?
Absolutely. Defense costs are covered regardless of the claim’s validity. Legal fees alone can be devastating without this protection.
What if I use independent contractors?
You’ll need to add them to your policy or require them to carry their own E&O coverage to avoid gaps in protection.
Can this help with breach-of-contract claims?
Yes — if the dispute stems from professional service errors or delays, professional liability can help cover your defense and settlement costs.
Secure Your Services. Safeguard Your Business.
A single accusation can damage your business — even if you’ve done everything right. Professional Liability Insurance gives you the confidence to keep serving clients, growing your brand, and protecting your name.