Professional Liability (E&O)
Claims of negligent acts, errors, or omissions in the services you provide.
For firms that sell advice and expertise, where the biggest risk is intangible — a client alleging your work caused them harm.
Firms that sell advice or expertise — consultants, agencies, technology, accounting, design — face less physical loss and more exposure to claims of error, negligence, and mishandled data. Their largest risk is intangible: a client asserting your work caused them financial harm.
We structure professional-services programs around your real exposures — errors and omissions, data and privacy, management decisions, and the employment risk every firm carries.
Request a coverage reviewThe core protections we typically structure for businesses like yours:
Claims of negligent acts, errors, or omissions in the services you provide.
Data breach, ransomware, and privacy claims, including notification costs.
Third-party bodily injury and property damage.
Liability arising from management and governance decisions.
Wrongful termination, discrimination, and harassment claims.
Office contents, equipment, and technology.
No two operations are identical. If there's a risk specific to your business, we can structure coverage for it.
Talk to an advisorThe details that decide whether a policy actually protects you when it matters:
E&O is usually claims-made — your retroactive date and tail (extended reporting) coverage are critical to continuous protection.
Prior-acts coverage protects work performed before this policy began. Losing it on a switch can be costly.
Confirm the policy covers what you actually do, not a narrow version that leaves part of your work exposed.
Wire-fraud and phishing losses need specific coverage — they're often excluded from a basic cyber form.
When defense costs erode your limit, a long dispute can leave little left to settle. Know how your policy is structured.
Client contracts may demand limits and terms your policy must be built to match.
It covers claims that your professional advice or services were negligent, in error, or caused a client financial harm — exposures that general liability does not address.
A claims-made policy responds only to claims reported while coverage is active, which makes your retroactive date and tail (extended reporting) coverage critical.
Professional liability (E&O), cyber liability, and general liability are core, often with directors & officers (D&O) and employment practices (EPLI) coverage.
Tell us about your operation and a specialist will identify your real exposures and structure smart, competitive coverage around them.