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.

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).

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

Workers’ Compensation provides benefits to employees who are injured or become ill due to their job. It typically covers medical expenses, lost wages, and rehabilitation, and it also includes Employers Liability protection for certain related lawsuits.

Why it matters

• Required by law in most states once you have employees

• Protects your business from major costs tied to workplace injuries

• Supports employees with medical care and wage replacement

• Helps reduce legal exposure through the exclusive remedy structure

Common examples

• An employee slips and falls at the office and needs medical treatment

• Repetitive strain injuries (like carpal tunnel) from desk work

• An employee is injured while traveling for work or visiting a client site

• A workplace incident leads to time away from work and wage benefits

How we help: We make sure your policy is set up correctly from day one—proper class codes, payroll estimates, and owner/officer elections where applicable. We also help you plan for audits, identify ways to reduce premium through accurate classifications, and coordinate with carriers on claims handling and return-to-work best practices.

EPLI helps protect your business against claims made by employees (or applicants) alleging wrongful employment practices—such as discrimination, harassment, retaliation, or wrongful termination.

Why it matters

• Employment-related claims can be expensive even when you did nothing wrong

• Helps cover legal defense costs, settlements, and judgments (subject to policy terms)

• Supports growing teams where HR processes may be evolving

• Can be required by investors, boards, or certain client contracts

Common examples

• A former employee alleges wrongful termination

• A harassment or discrimination claim is filed

• A retaliation allegation after an employee complaint

• A hiring or promotion dispute from an applicant or employee

How we help: We help you evaluate the right EPLI structure, limits, and retention for your size and risk profile, and we shop carriers that fit your industry. We’ll also flag common underwriting questions and recommend practical risk-management steps (handbooks, documentation, training) that can improve eligibility and pricing.

Umbrella (or Excess Liability) provides additional liability limits above your underlying policies—typically General Liability, Commercial Auto, and Employers Liability. It’s designed to help protect your business from large, unexpected claims.

Why it matters

• Adds a higher layer of protection for severe claims and lawsuits

• Often required by larger clients, landlords, or contracts

• Helps protect business assets and future earnings from catastrophic losses

• Can be a cost-effective way to increase total liability limits

Common examples

• A serious auto accident involving a company vehicle exceeds your auto liability limit

• A major injury claim at your premises exceeds your General Liability limit

• A lawsuit results in damages above underlying policy limits

• A client contract requires $2M–$5M+ in total liability limits

How we help: We review your underlying limits to make sure the umbrella will sit properly over your core policies, identify any gaps, and recommend a limit that matches your contracts and risk tolerance. Then we shop multiple carriers to find the best combination of coverage terms and price—so you get meaningful protection without overpaying.

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.

Commercial Property insurance helps protect the physical assets your business owns or is responsible for—like office contents, equipment, inventory, and tenant improvements—from covered losses (often including fire, theft, vandalism, and certain weather events).

Why it matters

• Replaces or repairs essential business assets after a covered loss

• Helps protect cash flow by avoiding large out-of-pocket replacement costs

• Can satisfy lease requirements for tenants and lenders

• Keeps operations stable when equipment or workspace is damaged

Common examples

• A fire damages your office suite and destroys computers, furniture, and files

• A burst pipe causes water damage to flooring, walls, and equipment

• Theft of laptops, tools, or other business property

• Wind or storm damage to a building you own (or to covered improvements)

How we help: We review what you own vs. what you’re responsible for (especially in leased space), confirm the right property values and coverage features, and shop multiple carriers to balance cost and protection. We also help you understand key details like replacement cost vs. actual cash value, deductibles, and any special coverage needed for equipment, off-premises property, or higher-risk exposures.

Business Income (often called Business Interruption) helps replace lost income and pay ongoing expenses if your business has to slow down or temporarily shut down due to a covered property loss.

Why it matters

• Helps you keep paying payroll, rent, and fixed expenses during downtime

• Reduces the financial hit of a forced closure or reduced operations

• Can include Extra Expense coverage to speed up reopening

• Protects the business’s ability to recover without draining reserves

Common examples

• A fire forces your office to close while repairs are completed

• Water damage makes your workspace unusable for several weeks

• You relocate temporarily and incur extra costs to keep serving clients

• A covered loss disrupts operations during your busiest season

How we help: We help you estimate realistic income and expense figures so coverage matches your actual risk. We also review waiting periods, coverage periods, and “extra expense” options to make sure the policy responds the way you expect. If a claim happens, we help you navigate what documentation is needed and how to position the claim for a smoother resolution.