Commercial Insurance
Your Expertise Deserves
Expert Protection
Professional liability coverage structured around your services, client contracts, and the specific claims your profession faces — not a generic E&O form.
One client dispute can cost more than a year's revenue. We make sure your policy is built to defend you.
Our Process
Review. Strengthen. Defend.
We review your E&O policy form against your actual professional services to identify limit gaps, prior acts issues, and definitions that leave you exposed.
Our advisors compare your policy's definition of professional services, retroactive date, and defense cost structure against the claims your industry actually sees — ensuring there are no surprises when a client files a complaint.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Policy form and definition analysis
- Prior acts and retroactive date review
- Limit adequacy benchmarking
- No obligation to proceed
E&O Program Analysis
Program Comparison
Current Program
$14,800
Optimized Structure
$12,600
Your E&O Proposal
Review your customized professional liability recommendations
E&O Coverage
Current Coverage
$1M Claims-Made
Annual Premium
$14,800
Proposed Coverage
$2M + Prior Acts
Annual Premium
$12,600
Why It Matters
Your reputation is your business. Protect it.
Any professional who provides advice or services can be sued — even if they did nothing wrong. Professional liability covers the cost of defending your reputation and your business against claims that general liability explicitly excludes.
What We Cover
Every Professional Risk, Addressed
From E&O to tech liability to extended reporting — your full professional exposure, properly covered.
Errors & Omissions
Covers claims alleging that your professional services caused a client financial harm due to a mistake, oversight, or failure to perform as promised.
Coverage Includes
- Negligent acts and errors
- Omissions in professional advice
- Failure to deliver promised services
- Defense costs and settlements
Defense & Legal Costs
Even meritless claims require a defense. Professional liability covers legal fees, expert witnesses, and court costs regardless of whether the claim has merit.
Coverage Includes
- Attorney fees and court costs
- Expert witness expenses
- Settlement negotiations
- Regulatory defense costs
Technology E&O
Specialized coverage for technology firms and IT professionals whose errors or system failures cause client financial losses or data damage.
Coverage Includes
- Software and system failures
- IT consulting errors
- Data loss caused by your services
- Third-party technology liability
Miscellaneous Professional
Broad form professional liability for businesses that provide advice, consulting, or services outside traditional licensed professions.
Coverage Includes
- Management consulting errors
- Marketing and advertising services
- HR and staffing professional acts
- Training and educational services
Who We Serve
Any Professional Can Be Sued
If you provide advice, services, or expertise to clients — you have professional liability exposure that general liability does not cover.
Legal & Financial
Attorneys, accountants, and financial advisors face high-value E&O claims from clients alleging financial harm from professional advice.
Architecture & Engineering
Design professionals face significant professional liability from construction defects and specification errors that cause project delays or losses.
Consultants & Advisors
Management, IT, and HR consultants whose recommendations cause client losses face growing E&O claim frequency across industries.
Your professional work deserves coverage that stands behind it.
No obligation. Confidential review. Built around your professional services.