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Oyer, Macoviak and Associates Insurance
Phone 561-732-9305service@oyerinsurance.com
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Oyer, Macoviak and Associates Insurance

Since 1953

Professional Liability Insurance

Since 1953 we have helped thousands of clients to save money on professional liability insurance while we do all the work. Let us shop your policy with over “30” rated companies.

4.8 Stars - Based on 1089 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Sandra Bogitch Avatar
    Sandra B.
    - Facebook
    Excellent company to deal with. Personal service is A+. They return phone calls and will answer questions with knowledge and explanations.
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    Jim East Avatar
    Jim E.
    - Google
    Cheryl was very helpful. She clued me in that I’ve been driving all year without compensation. Wonder why Geico is... read moreCheryl was very helpful. She clued me in that I’ve been driving all year without compensation. Wonder why Geico is cheaper last year read less
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    Lois Parker Avatar
    Lois P.
    - Google
    All is good
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  • Wane Kuhns Avatar
    Wane K.
    - Google
    When I contacted them they responded quickly and were very helpful. Competitive pricing. Easy to work with.
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    Kyle Cohen Avatar
    Kyle C.
    - Google
    My realtor suggested that I call Oyer, Macoviak and Associates for a homeowners' insurance quote. The agent who took... read moreMy realtor suggested that I call Oyer, Macoviak and Associates for a homeowners' insurance quote. The agent who took my call, Bobby Yonta, asked all the necessary questions about the property and me and returned a quote very quickly. He followed up with me as my closing date got extended and closed the deal with the lowest price of all the quotes I reached out for. I'm happy to be one of Oyer, Macoviak's new customers and suggest that anyone who wants great, professional and friendly service call them! read less
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    Marie Brauer Williams Avatar
    Marie B.
    - Facebook
    If you are looking for an agent that is going to take care of you and your family by making... read moreIf you are looking for an agent that is going to take care of you and your family by making sure you are protected then Oyer, Macoviak and Associates is your agency! They do all the work. They are professional and easy to work with. read less
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  • Ron Darna Avatar
    Ron D.
    - Facebook
    We appreciate that Oyer Macoviak & Associates have our interest in mind by recommending additional coverages to enhance our HO policy
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    Thomas Sbordone Avatar
    Thomas S.
    - Google
    I have contacted several agencies to insure my new condo in Florida and received exorbitant quotes. Being somewhat disgruntled,... read moreI have contacted several agencies to insure my new condo in Florida and received exorbitant quotes. Being somewhat disgruntled, I called Oyer, Macoviak and Associates as a last resort. The service provided was professional and the quote was very reasonable. In fact, they insured my condo that same day. I have no hesitation in recommending Oyer, Macoviak and Associates for all insurance needs. Tom Sbordone East Hampton, NY read less
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    Steven Rothenberg Avatar
    Steven R.
    - Google
    Excellent attention to detail and follow up with Oyer Macoviak.
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  • Stuart M Sims Avatar
    Stuart M.
    - Facebook
    They are on top of all my insurance needs. they advise me when premiums are due, when to change to... read moreThey are on top of all my insurance needs. they advise me when premiums are due, when to change to another insurance company due to one with a better rate or when a company is downgraded. I would highly recommend them read less
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    Aden Reese Avatar
    Aden R.
    - Facebook
    Oyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get... read moreOyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get insurance for my business. either the prices were way too high or they couldn't get coverage for my LP gas business at all. I had one company get shut down while they had my deposit.
    Thank God I tried Oyer and macoviak... They were prompt and proffesional...and got me a great rate. everything went smoothly I got insurance at a great price with great service.
    5 stars.
    read less
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    Carmela Jacobitti Avatar
    Carmela J.
    - Google
    I searched frantically for days to get home insurance-even my previous agency made it difficult! Your agency is local and... read moreI searched frantically for days to get home insurance-even my previous agency made it difficult! Your agency is local and made it easy and efficient! Thank you read less
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  • Bill Bowser Avatar
    Bill B.
    - Facebook
    The whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so... read moreThe whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so we can improve our insurance and lower our premiums. Super to work with. read less
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    David Kowalick Avatar
    David K.
    - Google
    Very professional, courteous staff. Respond promptly to inquiries / questions. Competitive rates.
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    Amy Fisher Husted Avatar
    Amy F.
    - Facebook
    I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read moreI as well as my family members have been using Oyer Insurance for decades. Everyone in the office is on the ball and responsive if any issues arise. Would highly recommend them and have referred several people to them over the years. read less
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  • Peter Nachtigal Avatar
    Peter N.
    - Google
    I am very pleased with Oyer,Macoviak and associates they found the best rates for my auto & homeowners policies.I ... read moreI am very pleased with Oyer,Macoviak and associates they found the best rates for my auto & homeowners policies.I would recommend this agency to friends & family for any of your insurance needs. read less
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    Kristen Miami Avatar
    Kristen M.
    - Google
    I chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an... read moreI chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an associate answered the phone right away and I had a quote within hours. They were also very responsive to my mortgage company during my home buying process. I highly recommend due to their customer service, ease of doing business, and being able to go above and beyond for their clients. read less
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    Igor Cherkassky Avatar
    Igor C.
    - Google
    Thank you for your service.....
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  • Kenneth Tobin Avatar
    Kenneth T.
    - Google
    GREAT customer service. They are always there to help
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    Sharon Grcevic Avatar
    Sharon G.
    - Facebook
    They are the best. Been with them many years for my personal and business policies. I also recommend them to... read moreThey are the best. Been with them many years for my personal and business policies. I also recommend them to all my real estate buyers for their residential insurance needs. Always friendly and helpful service. read less
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    Hendricks Else Avatar
    Hendricks E.
    - Facebook
    I am a customer for many years with Oyer and Macoviak. I always received excellent information, service and customer service... read moreI am a customer for many years with Oyer and Macoviak. I always received excellent information, service and customer service from the entire staff.
    Marie W. is my agent for many years and explains all my insurance needs and the best pricing. Marie always goes the extra mile!
    read less
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  • Beverly Kast Avatar
    Beverly K.
    positive review 
    - Facebook
    They find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim... read moreThey find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim and they took care of it immediately. They are the best read less
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    Bobby Johnson Avatar
    Bobby J.
    - Facebook
    very professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance... read morevery professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance agency like this ,, give them a call read less
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    Michael Schwartz Avatar
    Michael S.
    - Google
    Pleasant staff, good rates
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  • Helaine Hurwitz Avatar
    Helaine H.
    positive review 
    - Facebook
    They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... read moreThey are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak with you and are prompt in getting back to you with answers to any questions read less
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    Stephen Rubin Avatar
    Stephen R.
    - Google
    I have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and... read moreI have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and seek best policies. They are cordial and responsive. read less
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    Doris Dejesus Avatar
    Doris D.
    - Facebook
    Love the staff! Very friendly and helpful! If you need insurance, stop searching - This is the place to go!
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  • Brenda Russo Avatar
    Brenda R.
    - Facebook
    Very efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found... read moreVery efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found me the best prices. read less
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    Margaret Gogol Avatar
    Margaret G.
    - Google
    Have been with Oyer Insurance for over 25 years and have always found them to be friendly, ... read moreHave been with Oyer Insurance for over 25 years and have always found them to be friendly, helpful, efficient, easy to work with and very knowledgeable with all my insurance needs. Great company always. Highly recommended. read less
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    Dan Winters Sr Avatar
    Dan W.
    - Facebook
    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read moreHard working very fair professional insurance people .They always go out of the way to provide you with great advice and very competitive. Return calls quickly read less
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about our company

professional Liability Insurance Coverage for More than 60 Years

Professional Liability Insurance (E&O insurance) protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract. Coverage includes legal defense costs – no matter how baseless the allegations.

Professional Liability insurance will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy.

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Progressive Insurance Company
Hartford Insurance Company
Allstate Insurance Company
Travelers Insurance Company
Safeco Insurance Company
Mercury Insurance Company
Florida Family Insurance Company
Universal Property Insurance Company

main REASONs TO CHOOSE US

Why Oyer, Macoviak and Associates for Professional Liability Insurance?

Professional Liability Insurance Options

Choice

We have access to multiple companies with a range of products.

Easy Professional Liability Insurance

Easy

We can easily switch you from company to company without hassle.

Unbiased Professional Liability Insurance

Unbiased

We are unbiased and objective, you know you have the right plan for you.

Small Business

69+

Years in Business

Let Us shop your policy with over 30 “A” rated companies.

Business Insurance

our experience

Save Up to 30%

Professional Liability Insurance coverage can extend to both W2 employees and 1099 subcontractors and can be worldwide in scope. Professional Liability Insurance – Errors & Omissions – coverage is not provided by a Commercial General Liability policy. Commercial General Liability does NOT provide coverage for errors, contract performance disputes or any other Professional Liability issues. Companies who have General Liability without Professional Liability Insurance – Errors and Omissions – coverage are taking a serious risk.

Oyer, Macoviak & Associates-Professional Liability Insurance at Oyer, Macoviak and Associates we have tailored professional liability insurance programs for the following types of business which can save you to 30%.

  •  Advertising Agencies
  •  Architecture
  •  Attorneys
  •  Accountants
  • Computer Consultants
  • Consultants
  • Engineering
  • Mental Health Consulting
  • Real Estate Agents
  • Tax Preparation
  • Website Design Most business can be covered under a Professional Liability (Errors and Omissions) policy.

Every business is unique – talk to Oyer, Macoviak and Associates today to find out how to get the best professional liability insurance, service, price, and value. Give Oyer, Macoviak and Associates a call for a professional liability insurance quote at 561-732-9305.­


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Purchasing Professional Liability Insurance: What it is and Why You Need It
Professional Liability Insurance

Purchasing Professional Liability Insurance: What it is and Why You Need It

Robert Macoviak 06/01/202110/05/2022 Reading Time: 3 minutes

Do you provide professional advice? If so, then it is important that you understand what professional liability insurance (aka Malpractice Insurance or E&O Insurance) is and why it’s necessary. Professional liability insurance will cover the costs of defending yourself in a lawsuit by providing professional services. It protects your business against costly litigation if someone…

Read More Purchasing Professional Liability Insurance: What it is and Why You Need ItContinue

Professional Liability Insurance for Accountants
Professional Liability Insurance

Professional Liability Insurance for Accountants: Do You Have Enough Coverage?

Robert Macoviak 04/07/201910/05/2022 Reading Time: 2 minutes

All accounting professionals are committed to the integrity and accuracy of their work for their clients. However, as the owner of an accounting firm, one mistake can put your business at risk for lawsuits resulting from errors, omissions and negligence. One lawsuit could bankrupt your business. With professional liability insurance from Oyer, Macoviak and Associates,…

Read More Professional Liability Insurance for Accountants: Do You Have Enough Coverage?Continue

Professional Liability Insurance
Professional Liability Insurance

Why You Need Professional Liability Insurance

Robert Macoviak 08/30/201810/05/2022 Reading Time: 2 minutes

Business professionals need to keep their equipment, premises and most importantly their customers and staff protected at all times. It is important to keep headquarters and commercial space well maintained, however the on-site staff and clientele are crucial for all operations to even take place and these individuals must be safeguarded at all times. Professional…

Read More Why You Need Professional Liability InsuranceContinue


FAQ professional liability insurance

Why Do Business with us?

As a local insurance agency (Boynton Beach, Florida) we take the time to cater to our customer’s policies to create the correct policy for them. Our team of agents is dedicated to help you protect you, your loved ones, and your business. Our office can handle any risk in Florida. In addition, our office is a Trusted Choice Insurance Agency (Independent Insurance Agent).

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Professional liability insurance coverage can vary in price depending on how much liability protection you need, your level of professional and financial risk as well as where you live. The average cost for a small business owner runs between $500 to $1500 per year for up to $1 million in coverage. How much professional liability insurance do I need?

For most small business owners, the general rule of thumb is to get enough liability coverage to protect your annual gross income. Banks and other lenders will often require that you have at least $300,000 in professional liability insurance before they grant a business loan.

Professional liability insurance coverage can vary in price depending on how much liability protection you need, your level of professional and financial risk as well as where you live. The average cost for a small business owner runs between $500 to $1500 per year for up to $1 million in coverage. How much professional liability insurance do I need?

For most small business owners, the general rule of thumb is to get enough liability coverage to protect your annual gross income. Banks and other lenders will often require that you have at least $300,000 in professional liability insurance before they grant a business loan.

A retainer is an advance payment you make to your insurance company in exchange for receiving initial legal defense and investigation services from its attorneys. A typical retainer ranges between $200,000 – $1 million although the exact amount will vary from one policyholder to another depending on their industry.

How far back do I need to look when checking my professional liability insurance coverage?

Professional Liability Insurance policies provide “tracing of loss” protection that allows you to pursue full payment from the insurance company for covered claims, even if they were incurred in years past. When your policy expires, tracing of loss protection also goes away, and you will be responsible for covering any losses on your own.

A deductible is the amount that you agree to pay towards any covered claim before receiving benefits from your professional liability insurance policy. All policies have deductibles although some are higher than others depending on the value of the coverage.


Since 1953

Need Insurance Coverage?

Call Us Today

561-732-9305

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About Us:
Oyer, Macoviak and Associates
1903 South Congress Ave Ste 350
Boynton Beach, FL 33426
Phone: 561-732-9305
Toll Free: 800-397-8780
Fax: 561-364-9848
Email: info@oyerinsurance.com

Office Hours:
Monday to Friday 8:30 AM to 5:00 PM

We offer a live after-hours claim service, which makes sure that you are always taken care of. You can also go online and view, make changes or report a new claim with our client portal.

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