Professional licensing, and where it meets insurance.

Licensing varies by profession and state

Whether a firm needs a license, and what the license requires, depends on the profession and the state. CPAs are licensed by state boards of accountancy, financial advisors by securities regulators, architects and engineers by state boards, and some consultants need no license at all. Casual assumptions are risky, so licensing should be confirmed with the applicable board, not inferred.

Where licensing meets insurance

Licensing is not insurance, but the two connect. Some boards or client contracts effectively require professional liability coverage, and a license tied to specialized work, accounting, financial advice, design, healthcare, points to specialized E&O markets. We help connect the licensing picture to the right coverage without making licensing determinations.

Verify with the board

Because licensing rules change and vary, treat any summary as a starting point and confirm with the applicable state licensing board or regulator. Specialized professions like legal, healthcare, and design are generally handled as specialty professional liability. This is general information, not legal, tax, licensing, or compliance advice, and not a determination that you are compliant or that a requirement is met. These issues vary by profession, state, and contract and change over time. Verify with the appropriate licensing board, regulator, state agency, carrier, and legal counsel.