Professional Liability Insurance Cost Calculator
Last updated: October 15, 2026
Estimate a professional liability or errors-and-omissions insurance budget using revenue, staff, risk and coverage assumptions.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated annual professional liability premium
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- Estimated monthly premium: —
- Revenue-based component: —
- Staff component: —
- Premium per professional: —
On this page
Quick summary: Estimate a professional liability or errors-and-omissions insurance budget using revenue, staff, risk and coverage assumptions.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a professional liability or errors-and-omissions insurance budget using revenue, staff, risk and coverage assumptions.
How to use it
Enter Annual professional-services revenue ($); Number of professionals; Base premium rate (% of revenue); Additional cost per professional ($); Practice risk multiplier; Coverage-limit multiplier; Deductible credit (%). Select Calculate to update the results.
How the calculation works
The estimate combines a revenue-based premium component with an editable per-professional component and applies risk, limit and deductible factors.
Worked example: starting scenario
| Annual professional-services revenue ($) | 2000000 |
|---|---|
| Number of professionals | 15 |
| Base premium rate (% of revenue) | 0.18 |
| Additional cost per professional ($) | 110 |
| Practice risk multiplier | 1.2 |
| Coverage-limit multiplier | 1.1 |
| Deductible credit (%) | 5 |
| Estimated annual professional liability premium | $6,583.50 |
|---|---|
| Estimated monthly premium | $548.63 |
| Revenue-based component | $3,600.00 |
| Staff component | $1,650.00 |
| Premium per professional | $438.90 |
Important limitations
Actual E&O, malpractice and professional liability underwriting varies widely by occupation, services, claims history, contracts, territory, limits and retroactive date.