At Sevigney-Lyons Insurance Agency, based in Wells, Maine, we understand what it means to run a business or a profession here in Southern Maine. Whether you’re a consultant in Biddeford, an engineer in Kennebunk, a therapist in Ogunquit, or any professional serving Maine’s diverse communities, you need protection—not just for your work, but for your reputation. That’s where professional liability insurance comes in.
If you want the best Maine professional liability insurance, customized for your field and risk, you’ve come to the right place. Contact Sevigney-Lyons for a quote today.
Professional liability insurance (often called errors & omissions insurance, E&O) is coverage that protects you if a client claims you made a mistake, left something out, provided negligent advice, or performed professional services that resulted in financial loss. Unlike general liability insurance, which covers accidents or injuries, professional liability focuses on your professional decisions and services.
Living and working in Maine, especially in smaller cities like Wells, Kennebunk, Ogunquit, or Biddeford, brings its own opportunities—and its own risks. Here are some real reasons why professional liability insurance matters for folks in Maine:
Here are some of the protections you can expect when you purchase professional liability insurance through Sevigney-Lyons:
Type of Claim
What’s Covered
Errors or omissions
If a client alleges you left out something important, gave incorrect advice, or otherwise made a mistake in your professional service.
Negligence
You didn’t intend harm, but someone claims your actions (or lack of action) caused them financial loss.
Misrepresentation
If you’re accused of over-promising or misrepresenting your service or product.
Defense Costs
Legal fees, court costs—even if the claim is baseless, defending yourself costs money.
Settlements / Judgments
Money you’re ordered (or agree) to pay to resolve a claim.
Claims arising from past work
Sometimes called “retro-active coverage,” for mistakes made before policy start date (depending on how you set it up).
We’ll work with you to choose limits and terms that make sense for your practice and risk in Maine, so you’re not under-insured or paying for coverage you don’t need.
Pretty much any professional who provides advice, services, designs, or decisions that affect others’ outcomes. Here are common professions in Maine and around Wells, Kennebunk, Ogunquit, and Biddeford that often benefit from this kind of insurance:
Here’s what sets us apart:
Even if your profession isn’t on this list, if your work involves professional judgments, advice, designs, or contracts, this insurance can be essential.
It depends on your profession, contracts, or licensing. Some professions or clients require it. Even when it’s not required, having it can shield you from unexpected risk.
General liability covers physical harm or property damage (e.g. someone slips in your office, or you damage someone else’s property). Professional liability covers mistakes in your professional services, advice, or design/consulting work.
Absolutely. At Sevigney-Lyons, we help clients bundle different coverages (auto, home, business) for savings. If you have other insurance needs in Wells or nearby, we can often streamline or combine them.
Many professional liability policies are “claims-made”—meaning the policy must be in force when the claim is made and potentially when the work happened. “Occurrence” coverage is less common here for professional liability. We’ll help you understand which is best and make sure you have the right retroactive dates if needed.
There’s no one-size-fits-all answer. But to give you a rough idea: for many small consultants or professionals—depending on your field, limits, and deductible—you might expect somewhere in the low hundreds to a few thousand dollars per year. For higher risk or more exposure, more. The important thing is that you get the protection you need without paying for things you don’t.
Several factors influence how much you pay—and how much protection you need. Here’s what we’ll consider when we help you get the “best Maine professional liability insurance”:
We’ll walk you through all of this, help you choose wisely—not just cheapest, but best value.
If you’re shopping around, use these as benchmarks—then reach out to Sevigney-Lyons to get them in your quote:
We’re not just any agency. Here are the ways Sevigney-Lyons stands apart in providing professional liability insurance coverage that truly works for Maine professionals:
You didn’t become a professional because you like risk. You became one because you believe in what you do, you believe you add value. Sevigney-Lyons is here so that you can keep doing what you do—with confidence, protection, and peace of mind. Let’s make sure one mistake or one misunderstanding doesn’t threaten your whole effort. Contact us today for your quote.
