If you offer advice, services, or technical work in New Jersey, professional liability insurance is a must-have. One mistake—even unintentional—could lead to a lawsuit that puts your business at risk. That’s where New Jersey professional liability insurance comes in.

Also known as NJ Errors and Omissions Insurance, this coverage protects against claims tied to negligence, poor advice, or missed deadlines. Whether you’re a lawyer in Newark or an architect in Trenton, this protection can keep your business running even when legal trouble hits.

If you run a service-based business in New Hampshire—whether you’re a financial advisor in Portsmouth or a therapist in Nashua—New Hampshire professional liability insurance may be one of the most important policies you carry. Also called errors and omissions (E&O) coverage, this protection shields professionals from lawsuits tied to negligence, misrepresentation, or mistakes in the services they provide.

While NH E&O insurance requirements don’t apply to all industries by law, many licensing boards and client contracts do require it. Even when it’s not mandatory, skipping coverage can be a costly mistake.

Here’s when NH errors and omissions coverage is either required or strongly recommended:

Healthcare professionals: While New Hampshire does not require doctors, therapists, and nurses to carry medical malpractice insurance by law, many hospitals require it for admitting privileges and it’s essential for financial protection.

Legal professionals: While New Hampshire attorneys are not required by state law to carry professional liability insurance, they must disclose to clients if they have no coverage or coverage below $100,000/$300,000 levels. Many attorneys choose to carry coverage to meet these disclosure thresholds and protect their practice.

Financial advisors and consultants: While not legally required, fiduciary duties and potential liability exposure make professional liability insurance strongly recommended in the finance and planning sectors.

Architects and engineers: These roles carry elevated design and construction risk, and contracts often require proof of E&O coverage.

If you offer services, advice, or technical expertise, Nevada professional liability insurance is one of the smartest protections you can have. In Nevada, coverage isn’t required for all jobs, but many industries—including healthcare, law, construction, and consulting—need it to meet licensing or contract terms.

Here’s when Nevada errors and omissions insurance is required or highly recommended:

Healthcare Providers: Hospitals in Nevada usually require doctors, nurses, and therapists to carry medical malpractice insurance to gain admitting privileges. 

Attorneys: Lawyers are not legally required to carry insurance in Nevada.

Real Estate Professionals: No state law mandates coverage, but many brokerages and contracts require proof of E&O insurance to finalize deals.

Consultants and Tech Providers: Contracts for public agencies, like the University of Nevada system, often require Nevada E&O insurance to protect against IT failures or cybersecurity errors.

Construction Firms: Contractors who offer design input or engineering services typically need special professional liability insurance Nevada policies to meet client requirements.

Because Nevada has a unique mix of industries—gaming, tourism, mining, and real estate—insurance expectations vary widely. Even if not required by law, many businesses carry coverage to win bids and stay competitive.

Whether you’re a doctor in Omaha or a consultant in Grand Island, Nebraska Professional Liability Insurance is often a critical layer of protection. Also known as Nebraska Errors and Omissions Insurance, this policy helps cover legal costs if a client claims your advice or services caused financial harm.

The state doesn’t require it for every job—but some industries do have legal or contractual obligations.

Here’s who needs it most:

Healthcare Providers: Under Nebraska’s Hospital-Medical Liability Act, healthcare providers who want to participate in the state’s liability protection program must carry minimum insurance coverage. 

Construction Firms: While not legally required, builders often carry E&O insurance to win contracts, especially with government agencies. It covers design errors, permit issues, and missed deadlines.

Agricultural Advisors: In a state driven by farming, ag consultants need liability coverage for crop planning mistakes, soil advice, or equipment recommendations that result in losses.

Some professionals—like those not giving direct advice or services—may not need coverage. But going without it can be risky. If your industry has licensing rules or your clients require proof of insurance, skipping coverage could mean lost contracts or even license suspension.

If your Montana business provides advice, technical services, or professional expertise, you likely need Montana professional liability insurance. Also called Montana errors and omissions insurance, this policy protects you from lawsuits tied to mistakes, negligence, or missed expectations.

Montana doesn’t require coverage across every industry, but many professionals must carry it to meet client contracts, licensing board rules, or employer standards.

Here’s where it’s essential:

Healthcare Providers: Most Montana hospitals require malpractice coverage—even though it’s not state law. Physicians generally carry $1–$3 million in limits to qualify for admitting privileges.

Attorneys: There’s no legal mandate, but ALPS is endorsed by the Montana State Bar as a professional liability insurance provider for attorneys.

Engineers & Contractors: Those involved in planning or design often need Montana E&O insurance to qualify for public contracts or private development projects.

Agricultural Advisors & Veterinarians: With agriculture fueling much of Montana’s economy, professionals advising on crops or livestock carry high liability risk.

Montana University System Medical Students: Medical students, interns, and residents participating in clinical rotations under the Montana University System receive professional liability coverage through state programs during their training.

Failing to carry coverage can lead to revoked licenses, lost contracts, and uncovered legal expenses. Whether you’re advising on infrastructure, treating patients, or consulting on crop plans—this policy isn’t optional. It is essential protection.

Whether you’re a real estate broker in St. Louis or a tech consultant in Kansas City, Missouri professional liability insurance protects you when things go wrong with your services. It’s often required by contracts, licensing boards, or clients—even if Missouri doesn’t mandate it for all professions.

Here’s who needs it:

Real Estate Agents: Missouri does not require real estate agents to carry E&O insurance for licensing. However, many brokerages and client contracts require coverage.

Attorneys and Healthcare Providers: While not legally required, their professional boards often demand coverage. Operating without it could lead to suspension or legal discipline.

Consultants and Contractors: Many client contracts include mandatory E&O minimums, usually ranging from $1 million to $5 million per claim.

Government Contractors and Lenders: Typically require proof of active liability insurance before funding or awarding a project.

Certain professions—like unlicensed practitioners or cannabis businesses—may be excluded from standard policies. If you serve clients across state lines (especially near Kansas), check if Kansas City errors and omissions insurance extensions are needed.

If you’re a healthcare provider in Biloxi or a consultant in Jackson, Mississippi professional liability insurance can protect your business from lawsuits tied to service mistakes or professional advice. It’s often required by contracts, boards, or licensing rules—even if not legally mandated statewide.

Here’s who needs it most:

State Healthcare Providers: Medical professionals employed at institutions like the University of Mississippi Medical Center receive MTCA coverage Mississippi, which provides state-funded malpractice protection with a liability limit of $500,000 under the Mississippi Tort Claims Act.

Private Healthcare Workers: Doctors, therapists, and other private providers often must carry their own Mississippi malpractice insurance to gain hospital privileges or meet licensing requirements.

Real Estate Agents: Under Mississippi Code Title 73, Chapter 35, real estate licensees must carry E&O insurance to keep their licenses active. A lapse in coverage may lead to suspension or revocation.

Construction & Engineering Firms: While not legally required by state law, these businesses may need proof of coverage when client contracts require it or when performing design services.

Agricultural Consultants: While not legally required, PLI is recommended when providing advice on fertilizer, irrigation, or crop planning, as your recommendations could cause client financial harm

Exemptions may apply to sole proprietors who don’t give professional advice. But many client contracts require coverage regardless. Without it, you could be held personally liable for damages—and risk losing clients or your license.

If your business provides services, advice, or technical work, Minnesota professional liability insurance can protect you. This coverage, also known as errors and omissions (E&O) insurance, helps defend you if a client claims your work caused them financial harm.

In Minnesota, this insurance isn’t required for every profession. But many industries enforce it through licensing boards, employers, or contracts.

You’ll likely need coverage if you are:

A healthcare provider: Hospitals often require malpractice insurance for admitting privileges, even though the state doesn’t mandate it.

A nurse or therapist: Coverage is recommended by professional associations to protect your license.

A dentist or allied health worker: Requirements vary by workplace or contract.

A real estate agent: Most brokerages require Minnesota errors and omissions insurance to join their team.

An insurance agent: While not required for licensing, E&O coverage is often required by employers or recommended for financial protection.

A general contractor: Residential building contractors and remodelers must carry liability insurance with at least $100,000 per occurrence, $300,000 aggregate, and $25,000 in property damage coverage.

Some businesses may qualify for exemptions:

• Sole proprietors in low-risk fields
• Residential contractors earning less than $15,000 per year (with a certificate of exemption)
• Cannabis-related businesses (no current state mandate)

Still, contracts and clients can require coverage even if the state doesn’t. Skipping it could leave you unprotected—or even out of compliance.

Whether you’re a solo consultant in Grand Rapids or a construction manager in Detroit, Michigan professional liability insurance offers essential protection. Also known as errors and omissions (E&O) coverage, it helps defend against lawsuits tied to mistakes, missed deadlines, or poor advice.

While this coverage isn’t required by law for every industry, many professions in Michigan cannot operate without it due to licensing boards, contracts, or client demands.

Professionals who often need coverage include:

Healthcare Workers: While Michigan law does not require malpractice insurance, most hospitals and healthcare institutions require coverage before granting privileges.

Lawyers: While Michigan law does not require attorneys to carry professional liability insurance, the State Bar requires disclosure of coverage status, and most attorneys choose to carry E&O policies for protection.

Insurance Agents: Michigan law does not require professional liability insurance for licensing, but operating without coverage can lead to significant financial exposure in the event of errors or omissions claims.

Agricultural Consultants: Advising farmers or ranchers? Clients often demand proof of coverage before signing contracts.

Construction and Engineering Firms: Design flaws or project delays can trigger lawsuits. PLI is often required for high-value jobs.

You may be exempt if you:

• Run a low-risk business without client-facing services
• Work in an unregulated profession, like freelance writing

Skipping coverage can result in out-of-pocket lawsuits and may prevent you from meeting contract requirements or institutional demands.

If you provide services, give advice, or sign contracts in Massachusetts, professional liability insurance (PLI) is a must. While not all professions are legally required to carry it, many industries depend on it for license protection, contract compliance, and peace of mind.

Here’s who typically needs Massachusetts professional liability insurance:

LLCs and LLPs: Under 211 CMR 24.00, limited liability companies and limited liability partnerships that are licensed by the Division of Insurance must carry professional liability insurance. This requirement applies specifically to insurance-related businesses, not to all LLCs and LLPs in Massachusetts.

Healthcare Providers: Massachusetts law requires physicians to carry medical malpractice insurance with minimum coverage of $100,000 per occurrence and $300,000 aggregate per year. Hospitals and medical facilities may require higher limits before granting admitting privileges.

Attorneys: Not required by law, but strongly encouraged by the Massachusetts Bar Association due to high litigation risk.

Construction & Agricultural Consultants: While not state-mandated, clients frequently require E&O policies in contracts before work begins.

Sole proprietors working in unregulated, low-risk fields may be exempt. Still, operating without coverage—especially when it’s in your client contract—can result in breach-of-contract claims, loss of business, or legal penalties.