Professional Liability Insurance
Coverage for when your advice, your work, or your judgment is called into question.
Liability coverage built around how you actually do business.
Running a business means accepting risk — but it doesn't mean carrying it alone. Whether a client claims your work caused them financial harm or a visitor is injured on your premises, the right liability coverage protects what you've built from a single claim becoming a business-ending event.
Professional Liability (E&O)
Professional Liability — also called Errors & Omissions, or E&O — protects you when a client alleges that your professional services, advice, or work caused them financial loss. Even when the claim is unfounded, defending it can run into the tens of thousands before a single dollar is paid out.
We write Professional Liability coverage for:
Accountants and tax professionals
Attorneys and law firms
Architects, engineers, and design professionals
IT consultants, managed service providers, and software developers
Medical and behavioral health practices
Real estate agents and brokers
Management consultants and other advisory professionals
General Liability
General Liability covers the everyday risks of operating a business — third-party bodily injury, property damage, and personal or advertising injury claims arising from your operations. If a customer slips in your lobby, an employee damages a client's property on the job, or a delivery person trips over a cord at your office, General Liability is the policy that responds.
Coverage typically includes:
Bodily injury to third parties on or off your premises
Property damage caused by your business operations
Personal and advertising injury (libel, slander, copyright infringement in advertising)
Legal defense costs, even when claims are groundless
Most businesses carry General Liability as part of a Business Owners Policy (BOP) alongside property coverage. We'll help you confirm your limits are appropriate for your industry, your client contracts, and your actual exposure.
Have a specialized liability need — cyber, employment practices, directors and officers, or industry-specific coverage? As an independent agency, we work with multiple carriers and can place coverage for almost any professional or commercial risk. Contact us to discuss your situation.