Business Insurance
Professional Liability Insurance
Since 1953, our independent agency has helped professionals compare liability insurance options while we do the shopping for them. Let us review your needs with access to more than 30 rated insurance companies.
One request. We shop over 30 rated companies for you.
professional Liability Insurance Coverage for More than 70 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.

One request. We shop over 30 rated companies for you.



Why People are Choosing us
Diane L.8/06/2026I came to Oyer, Macoviak desperately fleeing from my prior carrier, who had just doubled my insurance premium. Cheryl listened carefully to what I was looking for in homeowners' insurance, and to my description of my home, and that same afternoon presented me with several options. I ended up with the coverage I wanted, with the discounts that should have been applied, at an unexpectedly great premium. I couldn't be happier. Super professional, courteous, quick and effective.
Darrell C.8/03/2026The only insurance broker agency that truly was able to find better deals for insurance and were very attentive to our needs for our auto insurance. Our home insurance will expire in the next 6 months, and my first stop will be to Oyer, Macoviak, and Associates because I know they will find me the best coverage for the best price.
Scott G.7/13/2026I have been with Oyer & Macoviak for over twenty years in maintaining our personal home & automobile insurance. They have always been pro-active with renewals, premium increases while maintaining a very courteous & professional demeanor. I have mostly delt with Cristy Macoviak, but their entire support staff is nothing less than courteous, & professional. I highly recommend this company for ALL your insurance needs
diane p.7/09/2026Excellent service and coverage, and communication! Cheryl was awesome. She asked the right questions, she knew what I was talking about- and she knows her products. Experienced, super responsive. Excellent follow up. When someone knows what they are doing- you can tell. Answers phone calls, and emails in a very timely manner. Personal service and local business, are good to keep and patronize. Thank you very much for helping me out.
Darlene H.7/02/2026We have confidently used Oyer, Macoviak and Associates for over five years and trust them to handle everything from auto, RV to homeowners insurance. They have always had our best interests in mind, their advance notice of upcoming premiums due, and suggestions for coverage is premium service. We highly recommend them.
Mindy D.6/09/2026I highly recommend this insurance company .I used Cheryl and she was fantastic and really helped me since I am transitioning from New York to Florida .Cheryl helped me get a homeowners policy and is helping me get a policy for my car while it’s being transported to Florida .She explained everything to me in great detail and I would recommend her to anyone who needs insurance .
alfredo m.6/06/2026I was fortunate to find Oyer, Macoviak & Associates while shopping for home insurance. Their team’s expertise helped me secure excellent coverage with the right carrier, and over the years they’ve consistently kept me informed about market changes and affordable options. If you’re comparing insurance providers, give them a call, they’ll treat you fairly, professionally, and with genuine care.
Robert O.5/11/2026Bobby was excellent. I recently had reason to review several insurance policies. I called a close friend who uses Bobby and recommended him. Bobby provided alternatives in a timely manner, answered multiple questions about the policies and was always very available for discussions so I could reach decisions I was very comfortable making. Very easy to work with. I highly recommend Bobby and his firm.
Don C.4/30/2026I contacted my current auto insurance company , whom Iv'e been with over 44 years,m to insure my newly purchased Golf Cart, I was quoted a figure I could not live with. A friend of mine who had just gone through the process of certifying his for the street steered me to Oyer, they not only saved me a bundle, they helped me through the certification process, Now they are working on saving me on my auto insurance. Ver friendly and helpful
Jim C.4/21/2026I’ve been a client for 25 years. It’s great to have an agency that is always there for me. Christian Macoviak is incredible, a true professional always willing to listen, provide insight and knowledge and resolution. If you have to file a claim, you need support and you can count on that.
Janet D.4/06/2026I can’t say enough good things about this company. They are personable, professional, and make an effort to check in with us a couple of times each year. We have both our homeowners and auto policies with them, and they consistently handle the legwork to ensure everything stays up to date. They also proactively notify us about any available discounts, which we really appreciate. Truly the best insurance agency around—and proudly the oldest in Boynton Beach.
Jorge A.3/30/2026Oyer, Macoviak and Associates is absolutely the decision to do business with. Friendly and Professional Staff. I love the convenience to get fast results and quick answers when needed. I truly appreciate your fair prices and most importantly your hard work in the insurance business.
Respectfully,
Jorge Aguilar
Richard R.3/02/2026From the first minute of my first phone call I knew this was not an ordinary insurance agency. I felt like I was being treated as a VIP. Subsequent follow ups were just as efficient and personable. In the end they were able to save me over $2,000 on my auto and home insurance. Thanks for being so awesome. Don’t call anyone else people. This is the best.
Peg S.2/08/2026An added note I will be talking to this great company about life and property insurance. They seem always ready to help!
A great company and people. The service I received for such a small policy was the BEST! I have been recommending them since I now have car insurance with them as well. Thank you
Robert R.1/12/2026I just finished dealing with Hector Guzman at Oyer, Macoviak. I’m sure this was simple for him but it was a great experience for me. He is very professional, friendly, and very easy to talk to. I spent hours on the phone with the “big box insurers” and wasted my time. Hector took care of me promptly and got me a GREAT RATE. I will be dealing with him for my future insurance needs.
Laurie G.12/14/2025After years of frustration in trying to find a new insurance company, I resigned myself to paying exorbitant premiums for over
five years. Switching always felt impossible. Finally, someone recommended that I try your insurance agency And it truly felt like magic. Within a few days, I had a brand new policy in place. I was honestly amazed after trying multiple agencies for years with no success. The entire process was handled with ease and professionalism. I am truly grateful and recommend this insurance agency for anyone who feels stuck Or overwhelmed with their insurance options.
clasy g.12/10/2025Oyer, Macoviak and Associates is a great company. They have handled my insurance for almost a year now. They have handled my daughter’s insurance since we all moved to Boynton Beach, Florida almost 4 years ago now. They can be trusted to find the best rates and they are on top of their game! They follow up as well! Give them a call! You won’t be sorry! Thanks… Betty Crostic
Karen D.10/26/2025This insurance office is so professional. Quoted my auto insurance and when I inquired about my umbrella policy, they realized this would change the rates. They requoted everything quickly. All done in the same day. 3 auto policies and an umbrella. We saved $1500.
Super easy to work with and answers all your questions.
Rick L.10/21/2025Christian and Rob are truly Rock Star Insurance Consultants. They are always available for new quotes, resolving issues and answering any questions. They handle business in a very prompt and professional manner. I have transferred all of my family’s personal insurance and business insurance as well. As a CPA, I have the opportunity to refer them to my clients. I have yet to find anyone that I referred, to not tell me they are the best…..
Melissa M.10/19/2025⭐️⭐️⭐️⭐️⭐️ Highly Recommend – Fast, Professional, and Actually Helpful
After OVER a year of frustration with another local insurance company, we were told—again—that no one would insure our home, even after we provided updated inspections, including a roof certification clearly stating we had more than five years of life left. We were constantly given the runaround, told we had to use certain inspectors, and some of those inspectors made obvious errors. Thankfully, my husband works in this field and caught multiple mistakes—but even then, no one wanted to help us move forward.
Then we contacted Oyer, Macoviak & Associates, and the difference was unbelievable.
I sent them our inspection reports, and within TWO days we had homeowners insurance secured—no drama, no excuses, no endless waiting. They were professional, efficient, and actually knew what they were doing.
If you’re in Florida and struggling to get insured, especially with an older (but well-maintained) home, I highly recommend Oyer, Macoviak & Associates. They got it done when others could not.
— Melissa & Kevin McGehee
Erik S.10/19/2025As a new(er) resident of Florida, I was concerned about the volatility of home insurance rates year over year. Despite the gloom and doom conveyed in media, Bobby was able to find us a policy with same conditions as my last policy but cheaper. Calling and Consulting with the team felt more educational than anything. Looking forward to using them again next year.
Lina P.10/13/2025Like many people, I was one of them looking to save money for my insurance policy. I did my own research and after contacting number of companies I was very pleased to decide to purchase my policy through this company. Insurance agent was beyond professional, received quote in 24hr,everything went smooth sailing and very happy with new insurance and definitely price was. the main factor. Would i recommend them?Absolutely
Marc M.9/16/2025"I had an excellent experience with Oyer Macoviak when insuring my low-speed vehicle. Other companies seemed confused by what an LSV was, but the agent at Oyer Macoviak was incredibly knowledgeable and found me a policy that was exactly what I needed. The entire process, from my initial call to receiving the paperwork, was seamless and efficient. Their attention to detail and clear communication were top-notch. I couldn't be happier with the coverage and the great price. Thank you!"
Marc Museaux
Douglas D.9/02/2025I was struggling with Golf cart insurance and reached out to Oyer, Macoviak and Associates who had good online reviews. I was more than a little hesitant reaching out online, in the anticipation of my email address being sold and expecting a flood of spam emails. It was quite the opposite. No spam emails and Cheryl Macoviak promptly reached out to me with some additional questions and then was able to provide me with an appropriate insurance within a few hours. This has been one of the most professional insurance agents I have worked with in a long while and will gladly recommend them.
Joseph J.8/26/2025The agent worked hard to find a policy that was optimal to my needs. He was able to clearly present me with my options and his recommendation helping me get the best rate for my home insurance. I found to patient to be patient, friendly and able to explain things clearly. I highly recommend this company
Damon S.8/19/2025These guys are awesome to deal with. They made it simple to get a policy. They also went above and beyond and made sure all my documents were sent to the dmv. Communication was excellent from start to finish. I highly recommend them and will be calling them again when I get my dual sport.
Sharon W.8/11/2025We had a wonderful experience with Ryan. He listened and delivered to us an auto, home, and umbrella policy from a very well known company. Plus he saved us $1,400 a year! We felt like we were in good hands throughout the entire process and will definitely review our policies each year with Ryan and know we can trust him for valuable guidance and advice.
v l.7/27/2025This organization is very professional knowledgeable very good at explaining different insurance. Couldn’t be more pleased. Ryan really worked with us to get the best coverage. Would recommend this company , and Ryan is an expert in his field We will be keeping this company next year we know this already
Kathi B.6/16/2025Great customer service . Called for first time Florida auto insurance . The agent got back to me immediately . Answered many questions . Knowledgable . Found the best price for us . Easy process . They deal with many different companies . Received the paperwork in a timely manner .
John G.5/27/2025Found them online while I was looking for golf cart insurance. After answering several questions by phone, they sent me a copy of the documents to review and get back to them. It was clear and concise, easy to read, listed all the info I needed to make a comparable decision. I called back and completed the process and payment over the phone. Received the final document online and a thank you from them. Great experience.
lc t.5/23/2025Oyer, Macoviak and Assoc. came to my rescue last year. I was notified by my previous insurer that my policy would terminate mid-term. Cited they were no longer servicing my area. Called several companies for rates in this difficult time for homeowners. O,M and Associates handled my inquiry quickly and professionally, and gave me the best rate for my desired level of coverage. I so thankful I found their #. They are constantly in touch so I feel connected.
Carol R.5/06/2025When I moved into a condo after living out of State for work for several years, I shopped around and asked neighbors.
I found my way to Oyer, Macoviak and they worked with me to find appropriate coverage.
Each year, or more frequently if I asked, they review my policy and shop around for me.
I really appreciate when I have minor requests or questions, that they provide quick responses and good customer service.
I’ve kept them for 5 years now.
Greg W.5/03/2025Every year or two at the most, I will send out all of my vehicle policies to make sure I’m getting the best rate for the exact coverage. I was so happy with my savings that I’ve told all of my neighbors when I called the State Farm agent he admitted that he can’t even compete, and that made up my mind.
John4/13/2025I came across Oyer, Macoviak and Associates while searching for homeowners and car insurance for my upcoming move to the Villages Florida and would highly recommend them. My agent Ryan listened to my needs and searched for the best deal, he explained all of my options and made my decision very easy. I think you will be very pleased with their service and expertise.
Lhisa A.3/13/2025Finding an insurance company is hard enough, and getting harder with so many barriers and cancellations. Gratefully, I have had nothing but great experiences with Oyer, Macoviak and Associates! Every question I have is answered quickly. I can set up a meeting at any time for any clarifications, advice, changes, or quotes. I highly recommend them for a personal touch you can trust!
Lucie M.3/10/2025Stop looking for real genuine insurance agents.. they are the real deal. Professional, efficient and on point compared to others.. you will not find better company that knows your situation and help you and guide you for your needs. Stop calling around and contact them, trust me I’m a proven customer.
Vicki3/06/2025We have been with Oyer for quite a few years now and I don't see us leaving anytime soon! Every year when our homeowners insurance comes up for renewal, we all know how difficult that can be in Florida - but they work hard to find us competitive renewals that don't sting quite so much :)
Ann C.2/13/2025Home insurance prices are out of control! Beyond expensive. I tried many of those online free quotes from several companies. They came back with no one to insure me at all. Then I found this insurance agency also on line that deals with so many more insurance companies. As my local agents in Palm Coast FL came back with no one to insure me. No one wanted to insure me because my roof was 19 years old, but in great shape and not needing replacement. Rob Macoviak found me a few companies that would take me and at a much better price then my renewal would have been. Very easy to work with, and he explains, so you can understand.
Derek1/27/2025I couldn’t be more pleased with Oyer, Macoviak and Associates. The team is always friendly, professional, and quick to respond to any questions I have. They helped me find the best coverage for my needs at a competitive price, and I truly appreciate their personalized approach. I feel confident knowing I’m in good hands, and I highly recommend them to anyone looking for reliable, top-notch auto insurance.
Mike B.12/17/2024Originally I knew nothing about this agency. I learned a lot, not from their website, but when I walked into their office. There I found the face of the company…their employees which were accommodating, professional and knowable. I achieved my goal which was to secure the proper coverage and at a substantial cost savings.
theodore h.12/17/2024After much research in regards to looking for an insurance agent for my condo in Palm Beach County, I was delighted to meet personally with Cheryl at Oyer Macoviak and Associates. We clicked right away, and her quotes were lower than my previous ones with the same coverage. It's nice to be considered part of their family, and I feel I can call at any time for questions.
L T.12/16/2024This is an Insurance Company that offers the absolute best Customer Service. We are so pleased to have found Oyer Macoviak and Associates. We moved here from Maine and found it difficult to find affordable house insurance. We’ve had such a positive experience with their personal Customer Service and Insurance rates that we are going to use Oyer Macoviak & Associates for all our Insurance needs in Florida! Our Agent Cherly spent a lot of time with us helping us through the process, explaining how to get the best insurance coverage and rates.I’d highly recommend them if you’re looking for honest answers, clear communication and great customer Service!
Jack M.12/16/2024Started out looking for insurance for a new golf cart and came upon Oyer, Macoviak in an online search. So glad I did. Reached out to them and Ryan responded almost immediately. He listened to what I needed and within a very short time I was provided with a very competitive quote. The entire process was easy, smooth and professional. I will be contacting them again when it is time to renew our home and auto. Again, responsiveness was excellent.
Ginny B.12/03/2024Oyer, Macoviak and Associates is a top notch insurance agency. They have been very responsive and are, clearly, very knowledgeable. I dealt with Cheryl Macoviak for my homeowner's insurance and found her extremely pleasant, friendly and professional. I love that this is a small family run business and have complete faith that they will have my back in the event that I should have to file a claim.
GAP11/03/2024This insurance agency gave me the top notch experience. From beginning to end it was a smooth transition from one policy to another. They provided me with an awesome rate by searching many companies on my behalf. Bobby Yonta is my account executive and he was so quick in providing me with quotes with the best right for my condo. I highly recommend this company for your insurance needs. Guy P.
Gerald S.9/23/2024Unfortunately, finding the perfect combination of professionals to manage your affairs sometimes takes a long time. Recently, I switched insurance agents because I was not receiving the best advice. I fortunately found a group of real professional insurance agents who knew exactly what I needed. They spent the time to ensure I had exactly what I needed and followed up on each policy to ensure it was placed properly at a fair price. More importantly, they keep track of every policy to ensure it is enforced on the correct dates and always compare the policies with different companies to ensure I receive the best value even after placing the insurance. I know that I am in the right place.
Joseph R.7/26/2024Insurance! Got a great rate when insuring my newly purchased golf cart. This would be a reason good enough for me to recommend Oyer, Macoviak and Associates. The thing is, the rate was so good I wanted to see if they could help with my regular auto insurance. They quoted me a good competitive rate from one of the companies they represent for insurance coverage similar to what I already have, but I said no, because I thought the rate wouldn't save me enough money until last night when my wife informed me that we need to call our current auto insurance company because we were just informed that our auto insurance was going to be increasing by hundreds of dollars over 6 months. It could be because we just moved, but the rate Oyer, Macoviak and Associates quoted was already for the new address. I will probably be calling them back if I run into problems getting my current insurance company to get more reasonable with their rates. If you are interested in good competitive insurance rates I recommend you call them as well!
Rosemary P.7/02/2024In a world where there isn't much emphasis on customer service, we were more than pleasantly surprised. After 17 years our homeowners insurance was not being renewed. Oyer, Macoviak and Associates walked us through the process, quoted us a fair policy amount, and followed through with our mortgage company to be sure payment was rec'd in the appropriate time frame. Professional and courteous staff got us into a new policy within less than 48 hours with zero stress. Awesome group of people who actually care.
Lee P.6/30/2024My experience with Oyer, Macoviak and Associates for insuring my golf cart was excellent from start to finish. The entire transition was seamlessly handled via email, which made everything convenient and efficient. I received my policy promptly in the mail without any delays. The customer service was top-notch, and they were responsive to all my questions. I highly recommend Oyer, Macoviak and Associates for their professional service and hassle-free process.
Connie M.6/24/2024Customer service is excellent It is very easy to work with Ryan All questions were answered quickly and efficiently this company came highly recommended and we were very satisfied with the pricing and the ease of getting car insurance we saved a lot of money and a very happy we switched in addition, we also switched umbrella policies and we saved a lot of money. Highly recommend this company.
JRW L.6/18/2024This agency is outstanding. It was highly recommended to me by a friend and having worked with them I understand why. Cheryl was professional yet friendly, and was most responsive to my numerous questions regarding new insurance policies. I felt very comfortable transferring our policies to this agency, knowing they were looking out for me and getting the best policies at the best prices. I too would highly recommend this agency.
ken v.6/17/2024Oyer, Macoviak and Associates assisted my wife and I to find homeowners insurance for our condo at a great price. The customer service aspect of their insurance company was great and we spoke to a person and not an automated system and response time was very good. I would recommended the agency to anyone looking for insurance
John F.6/10/2024My mom has recently started working with Bob of Oyer Mackoviak Her current homeowners polucy was canceled by Castle Key. As we searched for a new company we were inundated with calls, but we contacted Oyer on a recommendation, and were very pleased with the advice and outcome of our new policy..
Gina C.6/05/2024Wonderful Experience dealing with Bobby Y. Very Kind & Knowledgeable about my Home Ins. Quote. The Wind Medigation Report done with Kevin M. was also very pleasant. Both of them pointing out details I never knew about. Highly Recommend giving Bobby a call @ Oyer, Macoviak & Associates in Boynton. Gina C.
Cheryl C.5/23/2024I would highly recommend Oyer, Macoviak and Associates. It is so wonderful to work with people who get back to your emails or phone calls so quickly. Insurance is not a 'fun' issue to deal with be it a claim, a quote or a simple question. But I found my experience with Oyer Macoviak to be as painless as possible.
Shelane M.4/27/2024Oyer, Macoviak and Associates was recommended by a friend and since our home insurance went up, we decided to call. Agent Bobby Yonta is a miracle worker! His response time was instant and he arranged inspections the next day. We thought we had good insurance for the past decade but he found us an A rated company with better coverage at a huge discount! He is knowledgeable and professional and personable. For the first time I felt like an insurance company really cared about our well-being. I’m so glad we called, just wish we did it years ago. Don’t hesitate to call and get a quote.
Janice R.4/22/2024I switched my homeowners insurance to Oyer, Macoviak and Associates about a year ago. I am glad I did. Their customer service is excellent. Because they are a family owned business with agents who have excellent product knowledge, they provide personalized and exceptional service.
Karen P.4/19/2024We recently reached out to Oyer, Macoviak, and Associates to get a quote for auto insurance. They already handle our homeowners insurance policy, so our goal was to have both our auto and homeowners insurance handled by one insurance agency. They were quick to respond to our request and made the whole process easy by doing it all by email and online. For great customer service, I do recommend going with Oyer, Macoviak, and Associates, to handle all of your insurance needs!
Mary B.4/12/2024It was a pleasure doing business with lOyer,Macoviakand associates. They found me good rates on condo insurance and automotive insurance end it was all done by phone or online I didn’t have to travel to their office for anything. Everything was done professionally with great service
Mike R.4/04/2024I normally do not take the time to write reviews but felt this was called for. When I was shopping for car insurance I contacted Ryan Paguaga, Account Executive from the Oyer, Macoviak and Associates Insurance Agency. He was gracious, seemed to care about my needs but then again his job is to sell. They weren’t saving me any money but I signed with this agency because of things he relayed to me. One being their “outstanding” customer service. After I signed I started receiving emails from the owner, Mr. Oyer, Macoviak and Associates. Harvey E. Oyer Jr Inc 1903 S Congress Ave St 350 Boynton Beach, FL 33426. Welcoming me to their agency etc. Newsletters arrive in my inbox boosting their commitment, how they care about their customers etc. Actually just bragging how wonderful they are. I called the salesperson who originally wrote my policy and left him a voicemail about a windshield repair. He forwarded that voicemail to their “customer service” person Christine. She listened to what I described and I sent her a screenshot from AAA’s website stating the poor work by the person who did the job. I found out from a different glass repair center that the resin he used may have been contaminated as well as his poor workmanship. Therefore leaving a milky white spot on clear glass. Christine the “customer service” person at the insurance agency said she didn’t know what to do. That she would speak with her manager and get back to me. She also informed me with conviction about certain windshields that have to be OEM because there are sensors in the glass. There are NO sensors in the glass. She has no idea what she is talking about and therefore misleading people. It took her nine days to get back to me. At this point I’m surprised she did get back to me. She must have had a memory lapse because she suggested I get in touch with the glass people who did the repair and see what they can do. On my initial call to her I said I’ve had two windshields repaired in past years and they were clear. I also told her I wasn’t going back there because of the low level quality of work. Extremely poor service from this agency especially in a time of need. Don’t depend on them because quite simply you can’t depend on them. When I signed up with their salesman for auto insurance he asked me about homeowners insurance. Saying he can save me money. I indicated that approximately 6 weeks earlier I just renewed my policy and paid it in full. I stated that we could address it when it comes up for renewal. If he was sharp he would have wrote it down as a good salesperson would have done. This agency will not be seeing my homeowners insurance or car insurance at renewal time. If I ran my business that way I’d be out of business. There blatant disregard to get back to me in a timely fashion and with pertinent suggestions was useless, very unprofessional. Their own people can make or break them. These people wouldn't be in my employ or they would have zero interaction with customers. I say this because I was in business. Statistics show that when a customer is upset, agitated with a place of business they tell 7-10 people. When a customer is satisfied they may only tell 3-4 people. I'd rather be working with the lower positive number. They can't pay for that positive feedback form of advertising from people; it's priceless. Bottom line they’ve demonstrated that they are not customer oriented as they want people to believe.
steven l.4/03/2024I have received excellent customer service from day one. The agency found a way to lower my homework insurance rates without a cut in coverage phone calls or always return the timely matter. I would hardly recommend show the act.I have received excellent customer service from day one. The agency found a way to lower my homework insurance rates without a cut in coverage phone calls or always return the timely matter. I would hardly recommend The agency to anyone in need of insurance sincerely Steven Levine.
Jackie B.3/21/2024Oyer, Macoviak and Associates have provided me with homeowners and auto insurance for the past few years. With an ever-changing atmosphere in the state of Florida, they have consistently provided me with coverage that meets my needs as well as desire. They have always reached out to me and kept me informed. Very professional throughout the process!
Mark S.3/20/2024We have been using Oyer Macoviak and Associates for all of our insurance needs for over 18 years. They take care of our business insurance, our homeowners insurance, our auto insurance and year after year they shop the best rates to see how they can improve our coverage and reduce the cost. At any time we have a problem, they are quick to respond and handle all of our service needs. They are the best and easiest to work with and it is like a friend handling my insurance needs!
Larry U.3/13/2024Family owned and managed business that makes you feel like you are part of the family. Rob has always been there when needed and acted in our best interest. The team is friendly and efficient. They have been this way for the more than 20 years that we have had our insurance needs cared for by Oyer.
Dave G.3/11/2024It has been an exemplary experience! You’ve always responded quickly and your recommendations were always keeping my best insurance needs in mind. The agency has always had MY best interests at heart. Their suggestions for insurance not only met my needs, but protected me from a less secure company touting a lower rate. Happy to be a client!
Bill c.3/11/2024FROM START TO FINISH, THIS COMPANY PUT ME FIRST. IT WAS AN EXPERIENCE I HADN'T SEEN YET WITH FLORIDA INSURANCE COMPANIES LET ALONE TREAT ME WITH DIGNITY AS WELL AS UNDERSTAND MY NEEDS FOR WHICH A POLICY WAS DRAWN UP, EXPLAINED AND SENT. THE DOCS WERE EASY. THE LOCATION OF THE OFFICE, ALTHOUGH I DID EVERYTHING OVER THE PHONE, IS CLOSE IN BOYNTON AND THE STAFF I SPOKE TO, RYAN, WAS KNOWLEGABLE AND CONCERNED FOR MY NEEDS. SO FAR, IT'S BEEN A PLEASURE WORKING WITH THEM AND I LOOK FORWARD TO MANY YEARS OF SERVICE. I GAVE THEM 4 STARS BECAUSE NOBODY'S PERFECT.
susie s.2/26/2024I needed insurance for my golf cart. I called Progressive and Geico for quotes. Neither company either didn’t know how to quote golf carts or just didn’t want to write a small policy. I looked on the internet and found Oyer, Macoviak and Associates. The young man I spoke with knew exactly how to help me and what I needed. He solved my issue in about 20 minutes. I will renew with Oyer Macoviak every year. I am glad I found this company and highly recommend them for any insurance needs.
Jeffrey W.1/27/2024Have been our family agency for many years. Have never failed to return a call or answer a question. Rare quality today. Even through the current insurance crisis they have always worked hard and gave the best advise. I recommend them frequently and will continue to use their services .
Adrian P.1/23/2024I'm glad I was able to find this company for my business insurance needs. I have a GL policy with them, soon to have property and commercial auto. I have been working with Cheryl and she has been very professional, fast responses to all my queries and provided me with results I need for my business. I will continue to use their services in the future.
Robin D.1/23/2024I was recommended by a Friend & so happy with the fast & efficient response I had from Bobby , who is now my new agent. I switched my car insurance to this agency as they got me the best rate. Everything went smoothly & without any problems. This is a very reliable company to do business with !
Barbara D.1/15/2024I called Oyer, Macoviak and Assoc. to compare car insurance prices against my current carrier. Come to find out my insurance was not adequate for me or even met the minimum for the Sate of Florida. For just slightly more than I was paying, I am now very comfortable knowing I am adequately insured should I need it. I was highly impressed with the friendly, knowledgeable service I received.
Marc L.1/05/2024Have been with Oyer, Macoviak and Associates for at least 10 yaers or more. They take care of all my insurance needs to make my life much easier. Able to always discuss what I need and look for best price options available. They take the time to talk to me and explain my insurance plans in detail. Highly recommended and you will not be disappointed.
Rena P.1/02/2024It was a very positive experience working with Cheryl from Oyer Macoviak and Associates. Cheryl took the time to contact our lawyer in NY to confirm the correct information for our homeowners insurance.Every time I called Cheryl was available to answer my questions. Thank you for being so efficient.
saconnia j.12/23/2023I recently reached out to the team regarding concerns about car insurance premium increases, and I had the pleasure of speaking with Bobby, a truly exceptional sales representative. From the moment the call began, Bobby exhibited unparalleled effectiveness and support, guiding me through various options with patience and expertise. Bobby's dedication to addressing my concerns was evident throughout the call. Not only did he actively listen to my issues, but he also provided clear explanations of potential solutions. I am delighted to share that, thanks to Bobby's efforts, I now have a new plan that saves me almost $300 a month. In an industry where customer service can sometimes be challenging to find, Bobby's professionalism, knowledge, and genuine concern for my situation stood out. I am grateful for the positive experience he provided and wanted to express my appreciation for his outstanding service
Jerrold J.12/17/2023I'm 84 years old. I have been with a few agents and agencies. Oyer, Macoviak and Associates is the only Agency that constantly keeps me updated with products and ideas through E-mail. The office staff goes out of there way to help me with my problems. I'm not going anywhere else.
Vince I.12/07/2023I switched to Oyer, Macoviak and Associates after a few conversations with Bobby who is extremely knowledgable. He walked me through my current policy and pointed out several ways to streamline my coverage since I was over insured which saved me a considerable amount of money. We discussed several options and he chose the correct one for me! I am very happy with their service and know that I am in good hands
M S.12/07/2023I contacted Oyer, Macoviak agency via email about getting a homeowners insurance. I was so stressed out since other agent didn't call me back at all or gave a really high price. Bobby responded to my request and getting a quote wa so easy. Later on Charlene contacted me about the payment for the homeowners insurance. She was so nice on the phone. I really like both agent and the agency. I truly recommend anyone who is looking for any type of insurance. Thanks Bobby and Charlene to make my life so easy to get a homeowners insurance.
Brunilda L.11/27/2023Since the first time we called about the house we purchase in Florida , Ryan was very knowledgeable and answer all the questions we had and provide us the best rate and coverage, we called them because we are building new home and the provide exceptional service , I will recommend to anyone Oyer , Macoviak and Associates .
Harold E.11/15/2023I shopped around for auto insurance. I was with Progressive for over 3years with no claims. Progressive premiums almost tripled during that time. Ryan at Oyer Insurance set me up with a Travelers policy. He helped me set up in his office the Travelers App. Two weeks later I bought new cell phone. Ryan invited me back to office when I told him I couldn’t set up the app on new cell. Excellent service!
Tara K.11/07/2023Living on the water line in PBC, it was almost impossible to find a carrier to insure my property. A friend recommended Oyer, Macoviak and Associates and within a couple of days, I had an array of coverage options from standard companies to choose from. After approximately 25 other proposals, mostly Citizens, Cheryl from Oyer, Macoviak & Associates came through for an affordable option with the MOST coverage!
M R.11/05/2023The Oyer, Macoviak and Associates insurance agency are to be highly commended for the way they handle their work responsibilities. I can tell that they care about their job and about the people who depend on them. They were exemplary and their efforts and talents have contributed to my immediate needs and satisfaction. There quick response, energy and enthusiasm are attributes that I do not take for granted. In essence I felt that they did an outstanding job.
Mary11/05/2023This agency has provided homeowners insurance for various members of our family for more than 15 years. We have found them to always be responsive to our needs and helpful when there was an issue. When our home rates went up, they worked hard to find a different company with good coverage and better rates for us. Very satisfied and would recommend Oyer Macoviak to anyone in south Florida.
Sue T.10/16/2023Great agency. Work hard in this tough environment to get to the best price available and always willing to research what-if scenarios, if they make sense protection wise. They can only do so much on price without sacrificing what you need for coverage. FL is the worst state to competitivley find insurance unfortunately. This agency however does there do diligence. Many agents don't. I would recommend you give them a try, if you are in the market. Gave their number to a few friends already.
Sue T.10/15/2023Great agency. Work hard in this tough environment to get to the best price available and always willing to research what-if scenarios, if they make sense protection wise. They can only do so much on price without sacrificing what you need for coverage. FL is the worst state to competitivley find insurance unfortunately. This agency however does there do diligence. Many agents don't. I would recommend you give them a try, if you are in the market. Gave their number to a few friends already.
Gena S.9/23/2023I found Oyer through a recommendation and have continued the trend for years now. I love the relationship I have formed with my agent. They go above and beyond always to ensure we have the best rates for our cars/home insurance. They are patient, professional, and honest agents. Their customer service is top tier they will always have my recommendation.
Gena S.9/23/2023I found Oyer through a recommendation and have continued the trend for years now. I love the relationship I have formed with my agent. They go above and beyond always to ensure we have the best rates for our cars/home insurance. They are patient, professional, and honest agents. Their customer service is top tier they will always have my recommendation.
Compare Professional Liability Coverage Options
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 and Associates offers professional liability insurance guidance for many types of businesses, including:
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.
Professional Liability Insurance Articles
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).
01What is professional liability insurance?−
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.
02How much does professional liability insurance cost?+
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.
03What is a retainer?+
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.
04What is a deductible?+
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.



