Commercial Insurance
1) Professional Liability
Professional services firms don’t usually get sued because someone slipped in the lobby—they get sued because a client believes your advice, work, or deliverables caused them a financial loss. Professional Liability (E&O) helps protect your business when a client alleges negligence, mistakes, missed deadlines, misrepresentation, or failure to deliver services as promised.
Why it matters for professional services
Claims can be expensive even if you did nothing wrong (defense costs add up fast)
Many client contracts require E&O limits before work can begin
Coverage can be tailored to your specific services and risk profile
Common examples
A client alleges your recommendation caused a financial loss
A project deliverable is disputed and the client demands damages
A missed deadline leads to a claim of professional negligence
What we do We help you match coverage and limits to your contracts, client expectations, and real-world exposure—so you’re not overpaying or underinsured.
2) General Liability (GL)
General Liability is foundational coverage for most businesses. It helps protect your company from claims involving third-party bodily injury, property damage, and certain advertising/personal injury claims. Even professional services firms with low “physical risk” still face GL exposures through client visits, office operations, and day-to-day interactions.
Why it matters
Covers common “everyday” claims that can still become costly
Often required by landlords, vendors, and client agreements
Complements E&O (they cover different types of claims)
Common examples
A client slips and falls at your office
You accidentally damage property at a client site
A marketing/advertising claim triggers a covered allegation
How we help We’ll review your operations and contracts to make sure your GL coverage aligns with how you actually do business (including additional insured requirements and certificates).
3) Cyber Liability & Data Breach
Most professional services organizations handle sensitive data—client contact info, financial details, HR data, payment information, or confidential documents. Cyber Liability helps protect your business from the costs of data breaches, ransomware, phishing losses, and the operational disruption that follows.
Why it matters for professional services
A single compromised email account can trigger client notification and legal obligations
Ransomware and social engineering attacks are increasingly common
Clients may require cyber coverage in vendor agreements
Common examples
Phishing email leads to fraudulent wire transfer instructions
Ransomware locks your files and disrupts operations
Client data is exposed through a hacked mailbox or shared drive
What a strong cyber policy can help cover (varies by carrier)
Incident response and forensic investigation
Notification costs, credit monitoring, and PR support
Ransomware/extortion response
Business interruption from a covered cyber event
Our approach We’ll help you compare cyber options across carriers and choose coverage that matches your real risk (and your contract requirements), not just the cheapest premium
4) Business Owners Policy (BOP) / Property + Business Income
For many professional services firms, a BOP is a cost-effective way to bundle key protections like General Liability and Commercial Property, often with options for Business Income coverage. If you lease an office, own equipment, or have tenant improvements, you likely have property exposure—even if you’re “not a property-heavy business.”
Why it matters
Protects office contents (computers, furniture, equipment) and certain improvements
Business Income coverage can help if a covered loss forces you to pause operations
Often more efficient than piecing together separate policies
Common examples
Fire or water damage impacts your office space and equipment
Theft or vandalism damages business property
A covered property loss forces temporary closure or relocation
What we do We’ll help you structure property limits correctly (including improvements & betterments) and evaluate business income so a disruption doesn’t become a cash-flow crisis.
Industries we commonly help
Insurance agencies & brokerages
Accounting firms / CPAs / bookkeepers
Consultants (management, marketing, HR, operations)
Real estate professionals (where eligible)
IT services / MSPs (often need Cyber + Tech E&O)
Engineering / design (often E&O-heavy)
Staffing / recruiting firms (EPLI + HNOA often important)
Contract-ready insurance”
A short section that says you help with:
Certificates of Insurance (COIs)
Additional insured / waiver of subrogation requests
Contract review from an insurance standpoint (limits, wording, common traps)
Umbrella/excess recommendations when contracts demand higher limits
Our process
Quick intake (operations, payroll, vehicles, contracts, prior loss history)
We shop multiple carriers
We present options and explain tradeoffs
We help with binding + certificates
Ongoing support at renewal and as your business changes
Request a Commercial Insurance Review
Currently Licensed in NY, FL, TN, NC, and TX.
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