Errors and omissions
A client claims your advice or your work cost them money.
Professional Services Insurance
Firms that sell advice carry a different kind of risk. We size errors and omissions and cyber cover to your engagements.
We shop the market for you, no broker fees
Hiscox
Professional services
Chubb
Professional liability
Travelers
Management and professional liability
The Hartford
Small professional firms
Markel
Specialty professional liability
Great American
Professional liability
Philadelphia Insurance Companies
Professional services
NEXT
Independent professionals
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Pick the best policy
We explain what is covered, what is not, and what it costs.
Professional Services
- Errors and omissions
- Cyber and data
- Contractual demands
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- Services, credentials, and client types
- Revenue and largest client or contract
- Contract terms and scope of responsibility
- Prior acts date and claims history
- Data handled and cyber controls
- Requested limits and deductibles
Text us. We're by your side.
Common exposures in this line of work
Cyber and data
A breach exposes client data, triggering notification costs, liability, and downtime.
Contractual demands
Clients require E&O limits before they sign, and you cannot start work without it.
Any firm that sells advice or expertise, including:
- Accountants and bookkeepers
- Attorneys and law firms
- Architects and engineers
- Management consultants
- IT and technology consultants
- Software and SaaS companies
- Marketing and creative agencies
- Staffing and recruiting
- Financial advisors
- Insurance agents and brokers
- Real estate agents and brokers
- Home inspectors
- Notaries and signing agents
- Medical billing and coding
- Architecture and design studios
- Training, coaching and tutoring
The coverages this industry actually buys
Professional Liability
Professional liability, also called errors and omissions, answers a claim that your advice or your work product cost the client money. It is written claims made, so the policy in force when the claim is reported responds, and only back to the retroactive date printed on the declarations. Changing carriers without carrying that date forward is how firms quietly lose years of prior acts.
General Liability
The office itself still produces ordinary liability: a client injured in reception, damage you cause while working at a client's site, a delivery that goes wrong. General liability handles bodily injury and property damage and deliberately excludes the professional work. That exclusion is the reason both policies exist rather than one.
Business Owners Policy
Property and general liability packaged for a professional office: tenant improvements, furniture, computers, the liability of the premises, and normally business income. Consulting, accounting, and advisory offices are a clean class for most carriers. It does not include errors and omissions or cyber, which stay on their own policies no matter how the package is built.
Commercial Umbrella
An umbrella adds limit above general liability and commercial auto and pays after those are exhausted. Whether it also sits over professional liability depends entirely on the schedule of underlying insurance, and on most forms it does not. Client contracts that name a total figure rather than a primary one are the usual reason a firm needs the layer at all.
Questions we get asked
The longer answers, with the form numbers, live in the Library.
Which policies do professional services businesses usually need?
The right program depends on the operation, but the lines we most often evaluate are Professional Liability, General Liability, Business Owners Policy, and Commercial Umbrella. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
What information do you need to quote professional services insurance?
Have the services you provide, revenue, contracts, client types, requested limits, prior acts date, and loss runs ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Can you help if a standard carrier already declined the account?
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
How do you compare the quotes you receive?
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Get it placed by someone who reads the fine print
Start a quote and a licensed broker takes it from there, or talk to one now.