Insurance for professional services
Consultants, marketing and creative agencies, technology and software firms, accountants, staffing firms and other offices: your biggest risks are a client claiming your work cost them money, a data breach and employment claims.
For firms whose product is expertise, protect the advice, the data and the people.
What insurance do professional firms need?
Professional services firms typically need professional liability (E&O) for claims about their work, cyber liability for data breaches and fraud, a business owner's policy for office liability and property, employment practices liability (EPLI), and hired and non-owned auto for employees who drive to client sites. Growing or investor-backed firms often add directors and officers (D&O) coverage. Client contracts frequently set the minimum limits.
What professional firms need
Professional liability (E&O)
Claims that your advice or services caused a client financial harm.
Cyber liability
Breaches, ransomware and wire fraud, which professional firms see often.
Business owner's policy
Office liability, equipment and business income in one package.
Employment practices
Claims from employees and job applicants.
D&O
For firms with outside investors, lenders or a board.
Contract reviews
We compare client contract requirements with your policies before you sign.
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Frequently asked questions
Our clients require E&O. How much do we need?
Contracts often ask for $1 million or $2 million. The right limit depends on the size of your engagements and what a mistake could cost a client.
We're fully remote. Do we still need a BOP?
Often yes, for general liability at client meetings and events and for company-owned equipment wherever it is. We can tailor it to a remote team.
Can E&O and cyber be combined?
For technology firms, often yes, in one tech E&O and cyber policy that covers both the work and the data.
Review your firm's coverage
We'll match your policies to your client contracts.