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. Definitions, exclusions, and sublimits determine whether a claim gets paid or denied.
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. Covers partner disputes, regulatory investigations, and 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 or your work damages someone's property. Most leases and client contracts require it, usually at $1M/$2M. 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, and business personal property. Usually cheaper than buying GL and property separately.
Workers Compensation
Required by law once you have employees. Covers medical expenses and lost wages for on-the-job injuries. Repetitive strain, slips in the office, and car accidents during client visits all count.
Employment Practices (EPLI)
Covers claims your employees make against you: wrongful termination, discrimination, harassment, retaliation. The average cost to defend runs into six figures even when you win.
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. Often required by larger client contracts.
Coverage by industry
Different industries have different risks and different policy language to watch for. See what matters most for your type of firm.
- Law firms -- Malpractice definitions, retroactive dates, cyber coverage for bar complaints.
- Accounting firms -- Service line definitions, sublimits in endorsements, tax-season cyber risk.
- Consultants -- Advisory vs. implementation definitions, on-site work endorsements, subcontractor coverage.