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Professional services insurance

Insurance built around the advice you give and the data you hold.

A CPA, a marketing agency, an MSP, and a fractional CFO all sell expertise, but they carry very different risk: professional mistakes, client data, media and rights, funds and fraud, employees. We are independent, so we build the program around your services, your clients, and the contracts you sign, not a generic policy.

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The real risk

The lawsuit is rarely about the office. It is about the work.

A client blames your advice for a loss. A data breach exposes client records. A wire-fraud email moves client funds. A contract required E&O and cyber limits you did not carry. For a professional service firm, the damage usually comes from the work itself, the advice, the data, the money, not the things general liability covers. We build the program so the surprise does not happen.

By firm type

Coverage shaped to what you do.

Every professional service carries different exposure. Start with yours.

Accountants & CPAs

E&O, cyber, and crime for advice and data.

Bookkeepers

E&O, cyber, and crime for records and access.

Tax Preparers

E&O and cyber for sensitive tax data.

Consultants

E&O for the advice you sell.

Business Consultants

Coverage that scales with your engagements.

Management Consultants

Higher limits for high-stakes clients.

Marketing Agencies

E&O, media, and cyber for creative work.

Web Designers & Developers

Tech E&O and cyber for what you build.

IT Consultants & MSPs

Tech E&O and cyber for client systems.

Fractional CFOs

E&O, cyber, crime, and management liability.

HR Consultants

E&O and EPLI for employment advice.

Advertising Agencies

Media, rights, and cyber exposure.

PR Firms

Reputation, media, and advisory work.

Fractional Executives

E&O and management liability by role.

Recruiting & Staffing

Placement, EPLI, and workers comp.

Education & Training

Content, instruction, and venues.

Virtual Assistants & Admin

Account access, E&O, and cyber.

By coverage

The coverages a professional firm actually needs.

Professional Liability (E&O)

The core coverage for advice and services.

Cyber Insurance

Client data, email, funds, and breaches.

Technology E&O

Failures in the tech services you provide.

General Liability

Premises and the basics contracts require.

Business Owners Policy

Property and liability, packaged.

Workers Compensation

Once you hire, including remote staff.

EPLI

Employment-practices claims.

Crime / Employee Dishonesty

Funds, fraud, and employee dishonesty.

Management Liability

Leadership, governance, and growth.

Commercial Umbrella

Excess limits for contract-heavy firms.

Commercial Auto / HNOA

Owned and personal vehicles for work.

Business Income

Income after a covered property loss.

Equipment (Inland Marine)

Laptops and gear that travel.

Fiduciary Liability

Benefit-plan management duties.

Directors & Officers

Governance and leadership claims.

Compare your coverage

Not sure your coverage matches your services?

Answer eight quick questions about your firm, your clients, and the data you handle and get a clear, educational read on where your program may have gaps: E&O, cyber, contracts, crime, employees, and more. No pressure, no obligation.

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We match coverage to your services and contracts

We check cyber, data, and client-funds exposure

We line up the limits your client contracts require

You get a clear read, no obligation

When firms call us

Contracts, certificates, and renewals.

Most of what a professional firm needs is a clear answer at a moment that matters: a client contract's insurance requirements, a certificate request, a renewal increase.

Coverage Review

A second opinion on whether your coverage fits.

Contract Insurance Requirements

A client contract asking for coverage? We check it.

Renewal Review

Renewal increase or stale policy? Compare before you renew.

Certificate of Insurance

A client wants a COI. We sort out what they need.

By state

Workers comp and privacy rules change at the state line.

Workers comp, breach rules, privacy laws, and licensing vary by state. Pick yours.

Oregon California Washington Idaho Utah Nevada Arizona Montana Colorado Texas New Mexico

Learn

Guides, answers, and a glossary.

Plain-language professional-services insurance education, plus compliance pointers for licensing, employment, and privacy.

Learning Center

Guides and straight answers, organized by topic.

Compliance Center

Licensing, employment, cyber, and state issues.

Glossary

E&O, claims-made, retro date, cyber, and more.

Why professional firms work with us

We speak E&O, cyber, and client contract.

Independent means your interests come first. We translate how your firm actually works into coverage that fits, and we are there when a client contract, a claim, or a renewal happens.

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