Professional Liability Insurance

Professional Liability Insurance

Why is it Important?

Professional Liability Insurance (PLI), sometimes known as Errors and Omissions Insurance (E& O), is coverage for professionals.

If you provide any type of advice, expertise or professional service, you risk being sued by a customer, client or other party who claims he or she was injured due to your negligent act, error or omission. This type of negligence is sometimes referred to as “malpractice.”

Professional Liability Insurance, also called Errors and Omissions Liability Insurance, pays the cost of your defense and any damages awarded, up to policy limits. Insurance companies have developed many specialized policy forms that respond to the individual risks characteristic of particular professions and services.

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The amount of liability coverage a business needs depends on perceived risk. Typically a lawyer or doctor (malpractice insurance) have a higher amount of risk than an insurance agent or accountant. For some professions, the amount and limits of coverage are determined by the amount of revenue or clients the business has.

The name of your policy is dependent on your chosen professional field. If you are a doctor, your PLI will probably be referred to as medical malpractice insurance. If you are a realtor, it is often called errors and omissions insurance. PLI is specialized coverage which is not provided under broader-range business liability insurance packages. 

Serving the Midwest

for over 10 years!

We believe that good relationships are built with trust, honest and open communication and delivering on our promises.

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Meet The Experts

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Jodie Enenbach-Moreno

Agency Owner & Licensed Agent

Jodie Enenbach-Moreno is the owner of Smart Insurance Solutions®. Prior to opening her agency in 2013, Jodie worked for Blue Cross Blue Shield of Nebraska and Mutual of Omaha in service, sales and marketing. Her passion for client education motivated her decision to open an independent agency here in Omaha. Jodie hosts educational classes throughout the year on the radio, for community groups, financial advisors and the general public.

With over 15 years of insurance experience, Jodie spends many hours refreshing product knowledge, renewing certifications for government programs (Medicare & Marketplace) and staying on top of regulation changes. For additional compliance and support, Jodie has a long-standing relationship with Preferred Marketing Associates.

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Rebecca ‘Becky’ Rosales

Licensed Agent

Licensed Agent & Operations. Becky has been with Smart Insurance Solutions® for over 4 years and is a wonderful asset to the team.

She supports the agency in customer service, bookkeeping and insurance sales. Becky is from Omaha and has decades of support and leadership experience

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Cristal Briceño Rios

Front Desk Associate

Cristal’s background is in nursing and most recently worked for a pharmaceutical benefit management company before joining our team. Cristal is a great asset to our team in supporting the front desk area and other administrative duties.