What a firm should know before a claim, a contract, or a renewal.

E&O, cyber, claims-made coverage, client contracts, and the coverages firms get wrong. Organized by topic, written and reviewed by Richard Sweet. New here? Start with the glossary.

Guides

Start-to-finish walkthroughs of the coverage a professional firm needs.

Guides

What Insurance Does a Professional Services Firm Need?

A plain-language checklist of the coverages most professional firms need: E&O, cyber, general liability, BOP, workers comp, crime, and more, and how it changes by what you do.

Cost and pricing

What drives E&O and cyber premiums, and where you can actually save.

Cost and pricing

How Much Does Professional Liability (E&O) Insurance Cost?

E&O cost is driven by your profession, revenue, services, claims history, and the limits your contracts require. Here is what moves the number and what you can control.

Coverage explained

Plain-language breakdowns of the coverages and terms behind your policies.

Coverage explained

What Is Claims-Made Coverage and the Retroactive Date?

Most E&O is claims-made, which means the policy in force when a claim is made responds, and a retroactive date governs how far back covered work reaches. Why continuity matters.

Common questions

Straight answers to what firms ask us most, on cyber, contracts, and claims-made.

Common questions

Client Contract Insurance Requirements, Explained

Client contracts often require E&O, cyber, general liability, and additional insured wording at specified limits. How to make sure your coverage actually meets them before you sign.

Common questions

Do Professional Firms Need Cyber Insurance if They're Not Tech?

Cyber is not just for tech companies. Any firm that holds client data, works through email, or touches client funds has cyber exposure. Why non-tech professional firms need it.

Comparisons

This versus that, so you can decide without second-guessing it later.

Comparisons

Errors and Omissions vs General Liability: What's the Difference?

E&O covers the work, mistakes in your advice or service. General liability covers the premises, injuries and property damage. Confusing the two leaves a firm exposed.

Comparisons

Technology E&O vs Cyber Insurance: What's the Difference?

Tech E&O covers failures in the services and products you provide. Cyber covers data breaches and security incidents. Tech firms usually need both, coordinated.

Compare your coverage

It's not a quote. It's a coverage review.

Answer eight quick questions about your firm and get a clear, educational read on where your program may have gaps. No pressure, no obligation.

Compare your coverage Or just get a quote

We match coverage to your services and contracts

We check cyber, data, and client-funds exposure

We confirm claims-made terms and the retro date

You get a clear read on where your program stands