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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 1017 Reviews
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or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Lila Morriss Avatar
    Lila M.
    - Google
    Friendly, neighborly, efficient service at this long established insurance agency. Great service!
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    Nancie Gilman-Tarnowski Avatar
    Nancie G.
    - Facebook
    Oyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they... read moreOyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they always find the best rates and they are very knowlegable. read less
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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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  • Jack Fleischman Avatar
    Jack F.
    positive review 
    - Facebook
    Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... read moreOyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in finding the best rates for auto and homeowners insurance to meet our needs. Whenever we have a question they are prompt in getting back to us. I highly recommend them for all your insurance needs. read less
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    Hollie McCann Avatar
    Hollie M.
    - Google
    Oyer Macoviak and Associates are all very knowledgeable, courteous. They take time to find you the best way quote... read moreOyer Macoviak and Associates are all very knowledgeable, courteous. They take time to find you the best way quote to fit your needs. I would highly recommend them to anyone who wants someone who is honest and you can feel they have your best interests. read less
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    Cindy N Townsend Avatar
    Cindy N.
    - Facebook
    Cheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the... read moreCheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the premium costs without being asked. Then she also recommended a contractor to provide services that would help reduce premium and then provided the quote extremely quick always checking to make sure I was satisfied and had covered all my bases.

    Other providers only gave me the highest priced option and made no mention as to how I could reduce costs. It saved me $1,600 dollars. THANKS CHERYL!
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  • Kenneth Tobin Avatar
    Kenneth T.
    positive review 
    - Facebook
    Excellent excellent customer service. Very nice agents
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    Una Galligan Avatar
    Una G.
    - Facebook
    I want to let every know that this company is the most wonderful company to do business with
    I got...
    read moreI want to let every know that this company is the most wonderful company to do business with
    I got my insurence from them 2012
    We found the staff friendly professional and all so helpful
    We had some very horrifcie experence with other insurance company in Boynton Beach. I am very glad I was recommended to Oyer, Macoviak and Associates
    Martin and Una Galligan
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    Kathleen Grzych Avatar
    Kathleen G.
    - Google
    We needed auto insurance quickly and the staff was very helpful, explained our choices and got us what we needed... read moreWe needed auto insurance quickly and the staff was very helpful, explained our choices and got us what we needed to purchase a car. We are part time residents and required additional information. Thank you Oyer, Macoviak! read less
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  • Jerry Lang Avatar
    Jerry L.
    positive review 
    - Facebook
    They are always willing to take time with me with whatever question I may have. They will get me... read moreThey are always willing to take time with me with whatever question I may have. They will get me the best rates possible. I trust them. read less
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    Myra Elmore Avatar
    Myra E.
    - Google
    Very efficient and helpful. Saved me money.
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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!
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  • GARY SMITH Avatar
    GARY S.
    - Google
    Efficiency, Efficiency, Efficiency
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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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    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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  • 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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    Angeline Grippe Militello Avatar
    Angeline G.
    - Facebook
    We have been insured by Oyer, Macoviak, and Associates for many, many years. We have had excellent service, and... read moreWe have been insured by Oyer, Macoviak, and Associates for many, many years. We have had excellent service, and feel confident with their coverage in the future. Sam and Angie Militello read less
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    Chino Mourlot Avatar
    Chino M.
    - Facebook
    If need insurance call them, they are professional, sincere in helping their clients and potential clients, or email
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  • Igor Cherkassky Avatar
    Igor C.
    - Google
    Thank you for your service.....
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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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    Steven Rothenberg Avatar
    Steven R.
    - Google
    Excellent attention to detail and follow up with Oyer Macoviak.
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  • Tim Demosthenes Avatar
    Tim D.
    - Google
    It’s a pleasure working with your staff! Everyone is patient knowledgeable friendly and helpful.
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    Sandie Ann Avatar
    Sandie A.
    - Google
    Received a quote for my condo insurance in under an hour. Bobby Yonta was able to work with my... read moreReceived a quote for my condo insurance in under an hour. Bobby Yonta was able to work with my mortgage company and drew up a contract for me to sign. Excellent service from a local company in my town!!!! read less
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    Simone Rezende Avatar
    Simone R.
    - Facebook
    We are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service...
    read moreWe are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service (newsletters, prompt and professional replies from the representatives). I would recommend the company to anyone looking for great service and good prices!
    read less
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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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    Richard Sush Avatar
    Richard S.
    - Google
    Helped me through the maze that is insurance in Florida these days. They are always available to answer my questions... read moreHelped me through the maze that is insurance in Florida these days. They are always available to answer my questions and to help me find the best rates. read less
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    Barbara Ness Avatar
    Barbara N.
    - Google
    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read moreWe are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns we have. They always look for competitive rates when we are renewing our policies and have a wide variety of insurance policies to fit our family's needs. All of the employees we have had dealings with over the years have been courteous and well-informed. read less
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  • Lori Tarpinian Avatar
    Lori T.
    - Google
    Ugh, insurance in Florida so complicated and pricey. That said, I have had an excellent experience with Oyer, Macoviak in... read moreUgh, insurance in Florida so complicated and pricey. That said, I have had an excellent experience with Oyer, Macoviak in Biynton Beach. Willing to work with you, explain and provide options. read less
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    Linda Mead Avatar
    Linda M.
    - Facebook
    Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read moreHighly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and return phone calls immediately. read less
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    Janet Khouri Avatar
    Janet K.
    positive review 
    - Facebook
    When I call they are always pleasant & very helpful.
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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
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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 Insurance?

Choice Oyer, Macoviak and Associates

Choice

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

Easy-Oyer-Macoviak-and-Associates

Easy

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

Unbiased-Oyer-Macoviak-and-Associates

Unbiased

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

Small Business Insurance

69+

Years in Business

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

Employment Practices Liability 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.­


quality insurance coverages

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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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