Coverage
The insurance your professional services firm needs, placed by a broker who reads every page of the policy before you buy it.
Specialty coverage
These are the lines where policy language matters most. The definitions, exclusions, and sublimits in these policies determine whether a claim gets paid or denied. This is where I spend the most time.
Professional Liability / E&O
Covers claims when your work, your advice, or your deliverables cause a client financial harm. The policy definition of "professional services" controls what's covered. If it doesn't match what your firm actually does, the policy won't pay. I check the definition against your operations before you buy.
Learn moreCyber Insurance
Covers the costs when your firm gets hacked, client data gets stolen, or your systems go down. Data breach response, ransomware, business interruption, regulatory defense, and social engineering. Professional services firms are high-value targets because of the client data they hold.
Learn moreDirectors & Officers (D&O)
Protects the people running your firm -- partners, officers, and board members -- when someone claims they made a bad decision. Partner disputes, regulatory investigations, employee claims against management. Important for any firm with multiple partners or a leadership team.
Learn moreBusiness coverage
The foundation of your insurance program. These lines are more straightforward, but they still need to be set up correctly and coordinated with your specialty coverage.
General Liability
Covers claims when someone gets hurt on your premises, your work damages someone's property, or you're accused of causing bodily injury. Most leases and client contracts require it, usually at $1 million per occurrence and $2 million aggregate. This is the baseline policy everyone expects you to carry. It does not cover your professional work -- that's what E&O is for.
Business Owners Policy (BOP)
Bundles general liability with commercial property coverage. Covers your office space, equipment, furniture, and business personal property. Usually cheaper than buying GL and property separately. For most office-based professional services firms, a BOP is the most efficient way to cover the basics.
Workers Compensation
Required by law in every state except Texas once you have employees. Covers medical expenses and lost wages for on-the-job injuries. Professional services firms aren't construction sites, but repetitive strain injuries, slips in the office, and car accidents during client visits all count. Not optional.
Employment Practices Liability (EPLI)
Covers claims your employees make against you: wrongful termination, discrimination, harassment, retaliation, failure to promote. An employee doesn't have to prove wrongdoing to file a claim, and the average cost to defend runs into six figures even when you win. Gets more important as your team grows past a handful of people.
Commercial Auto
If your business owns vehicles or employees regularly drive for work, your personal auto policy won't cover business use. Commercial auto fills that gap.
Umbrella / Excess Liability
Sits on top of your other liability policies and kicks in when a claim exceeds the underlying limits. If you carry $1 million in GL and face a $2 million judgment, the umbrella covers the excess. Often required by larger client contracts.