Professional Liability Insurance in Cedarville, the Eastern Upper Peninsula, and Across Michigan

Protection Tailored to Service Providers and Professionals

Even the most skilled professionals can face claims of mistakes, missed deadlines, or negligence. For consultants, contractors, and service providers, one lawsuit can threaten your business’s reputation and financial security. At Islands Insurance Center, we provide professional liability insurance — also known as Errors & Omissions (E&O) insurance — to protect businesses in Cedarville, the Les Cheneaux Islands, and across Michigan. With coverage designed around your profession, you can focus on serving your clients with confidence.

What Professional Liability Insurance Includes

Professional liability insurance from Islands Insurance Center may include:

Negligence Coverage

Protects against claims of errors, mistakes, or failure to deliver professional services.

Legal Defense Costs

Covers attorney fees, court expenses, and settlements even if a claim is unfounded.

Missed Deadlines or Contract Disputes

Helps protect your business when clients allege financial loss due to delays or unfinished work.

Work Oversight Protection

Coverage for claims that arise from oversight, omissions, or inaccurate advice.

Independent Contractor Coverage

Ensures freelancers or subcontractors working under your business are protected.

Optional Add-Ons

Coverage extensions for specific industries such as contractors, real estate professionals, or healthcare providers.

Frequently Asked Questions

  • Is professional liability insurance required in Michigan?

    It’s not required by law for most professions, but many clients, contracts, and licensing boards require proof of coverage before doing business. At Islands Insurance Center, we’ll help you determine if professional liability is recommended or required for your industry.

  • What types of businesses need E&O insurance?

    Service providers such as contractors, consultants, accountants, real estate agents, and healthcare professionals often need professional liability coverage. If your business provides advice, expertise, or services, this coverage helps protect against claims of mistakes.

  • How is professional liability different from general liability insurance?

    General liability covers accidents like bodily injury or property damage. Professional liability covers financial losses caused by professional errors, negligence, or failure to perform services as promised.

  • Do small businesses need professional liability insurance?

    Yes. Even a single-person consulting firm can face costly claims. At Islands Insurance Center, we tailor E&O coverage for businesses of all sizes, from solo operators in Cedarville to statewide service companies.

  • Do you serve clients outside Cedarville?

    Yes. While our agency is rooted in Cedarville and the Les Cheneaux Islands, Islands Insurance Center provides professional liability insurance across Michigan.

  • How do I get a professional liability insurance quote?

    Fill out our Request a Quote form, text us, call our Cedarville office, or stop by in person. We’ll review your services, contracts, and business operations to create a tailored E&O policy.

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Why Choose Islands Insurance Center for Professional Liability Insurance?

Protect Your Reputation and Your Business
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Community-Rooted: We understand the needs of professionals working in Cedarville, the Eastern Upper Peninsula, and across Michigan.

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Tailored Coverage: From contractors to consultants, we design professional liability policies that reflect your services and risks.

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Trusted Carriers: Access to top insurers ensures you have reliable, flexible protection.

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Independent & Flexible: As an independent agency, Islands Insurance Center works for you, not one insurance company.

Safeguard Your Professional Services with Islands Insurance Center

Your clients trust you for expertise, and with that trust comes responsibility. With professional liability insurance from Islands Insurance Center, your business is protected against claims of mistakes, negligence, or missed deadlines. Serving Cedarville, the Les Cheneaux Islands, and all of Michigan, we’ll help you safeguard your work and your reputation.

Request a Quote from Islands Insurance Center