¿Qué es el seguro de responsabilidad profesional?
10 de julio de 2026
Qué cubre el seguro de responsabilidad profesional, en qué se diferencia del E&O y de la responsabilidad general comercial, quién lo necesita y cuánto cuesta.
Leer guíaSeguro de Responsabilidad Profesional
Proteja su firma cuando un cliente alega que su consejo, trabajo o falta de acción causó una pérdida financiera. Ajustamos el lenguaje a los servicios que presta.
Comparamos el mercado por usted, sin cargos de corredor
Mostramos ocho mercados relevantes para comparar. La disponibilidad depende del riesgo y la ubicación, y un logotipo no implica un nombramiento directo.
Hiscox
Professional services
Chubb
Errors and omissions
Travelers
Management and professional liability
The Hartford
Small business professional liability
Markel
Specialty professional liability
Great American
Professional liability programs
Philadelphia Insurance Companies
Professional liability
Kinsale
Excess and surplus professional liability
Para firmas cuyos clientes dependen de su experiencia
- Consultores
- Empresas de tecnología
- Profesionales inmobiliarios
- Firmas creativas y de diseño
Qué cambia su prima
No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.
- The professional services you actually perform
- Annual revenue, and the size of your largest engagement
- How many licensed or billable people you have
- The limit and the retention you select
- Your retroactive date, and how far back it reaches
- Contract terms you routinely sign, including hold harmless language
- Prior claims and circumstances you have had to report
Cómo funciona
Formulario de 10 minutos
Unas preguntas sobre su empresa o su casa.
Comparamos el mercado
Comparamos aseguradoras y leemos los formularios línea por línea.
Cotizar y emitir
Elegimos la mejor póliza y le ayudamos a obtener cobertura.
Qué cubre esta póliza
Negligent acts, errors, and omissions
Claims that your work or advice caused a client financial loss.
Defense costs
The cost of defending a claim, even one without merit.
Negligent service
Claims that negligent performance of your services caused a client loss. Pure contract and fee disputes are usually excluded.
Covered professional services
The specific services described in your policy schedule.
Why do I need this if I already carry liability cover?
Because general liability answers bodily injury and property damage, and nothing else. A missed deadline, a design that failed, advice that cost a client money: nobody was hurt and nothing was damaged, so that policy never engages. This is the one that does.
Cómo se fijan sus límites y deducibles
No publicamos un límite ni un deducible, porque una cifra correcta para un negocio es negligente para el siguiente. En su lugar, este es el método.
- 01
Empiece por el contrato
Los arrendamientos, los acuerdos con clientes y los contratistas generales suelen fijar un mínimo. Ese requisito es la primera restricción, no nuestra opinión.
- 02
Después dimensione la exposición
Lo que un mal día le cuesta de verdad: el valor en riesgo, el tamaño de los trabajos que acepta, cuánta gente tiene y cuánto costaría una defensa legal.
- 03
Después evalúe el costo de subir un nivel
Cotizamos más de un límite para que vea qué cuesta el siguiente nivel antes de decidir. Un deducible más alto baja la prima y sube lo que usted asume.
- 04
Después revíselo en cada renovación
Los ingresos, la nómina y los valores de propiedad cambian. Un límite que servía hace dos años es la brecha que más encontramos en una renovación.
Preguntas frecuentes
What is professional liability insurance?
Also called errors and omissions or E&O, it covers claims that your professional advice or services were negligent and caused a client financial harm.
Who needs E&O insurance?
Consultants, real estate professionals, technology firms, accountants, and other advisors, especially when a client contract requires it.
Is it the same as general liability?
No. General liability covers physical injury and property damage. Professional liability covers financial loss from your work or advice.
What is claims-made coverage?
Most E&O policies are claims-made, meaning the policy in force when a claim is filed responds, subject to your retroactive date. Letting coverage lapse can create gaps.
How much does professional liability cost?
Cost reflects your profession, revenue, services, limits, and claims history. We match the policy language to what you actually do.
Does professional liability cover a client who slips in my office?
No. A physical injury on your premises is general liability. Professional liability answers financial harm caused by your work.
Does it cover a data breach?
Only partly, and often not at all. Breach response, notification, ransom and network interruption belong on a cyber policy. Some E&O forms endorse a small amount of it on, which is rarely enough on its own.
Does it cover a claim from an employee?
No. Discrimination, harassment and wrongful termination claims from your own staff are employment practices liability.
What is a retroactive date and why does it decide whether I am covered?
Most professional liability is written on a claims-made basis, which means the policy that responds is the one in force when the claim is MADE, not when the work was done, and only if the work happened after the retroactive date. Let a policy lapse and that date usually resets, which quietly strips cover from every year of work behind you. Keeping the date intact when we move a carrier is a large part of the job.
Proteja el trabajo que sus clientes le contratan
Cuéntenos sobre sus servicios, clientes y contratos. Compararemos formularios adecuados.