INDUSTRIES
When what you sell is expertise, your biggest exposure is a client saying your advice or your work fell short. We build insurance programs for professional services firms around that reality, not a generic small-business template.
A claim that your advice, work, or service was negligent or fell short of expectations is the defining risk of any advisory or services firm.
Client financial, legal, and business information make professional services firms a real target for cyber incidents.
Hiring, promotion, and termination decisions carry legal exposure, particularly for growing or partner-structured firms.
Decisions made by firm leadership or partners can expose those individuals personally, separate from the firm itself.
Client visits, office space, and events all create standard liability exposure independent of your professional work.
Client engagement letters and contracts often carry indemnification or insurance requirements that create risk if not properly matched by your coverage.
Send it to us — we’ll confirm you meet every requirement before you sign.
Our advisors know that a services firm's biggest exposure often isn't physical — so recommendations are grounded in how that risk actually plays out.
Engagement letters and client contracts increasingly carry specific insurance minimums — we help make sure you're never caught short when it's time to sign.
When something happens, we advocate for you through the entire claims process — not just at renewal.
From a solo practice to a multi-partner firm, we tailor coverage to where your business is today and where it's headed.
1
We learn your practice area, your client base, your firm structure, and your current coverage and claims history.
2
We identify gaps — E&O limits, cyber exposure, partner-level D&O — before they become a problem in a client engagement or after a claim.
3
We place your program with carriers who understand professional services risk, balancing coverage, service, and cost.
4
We review your program as your firm grows, support you through claims, and help you meet new client contract requirements as they arise.
Most firms need professional liability, general liability, and cyber liability at minimum, with employment practices and D&O becoming more relevant as a firm grows or takes on a formal partnership structure.
General liability covers physical injury or property damage tied to your office or operations — a client tripping in your lobby, for example. Professional liability covers claims that your advice, service, or work product was negligent or fell short — a fundamentally different kind of claim, and one most services firms are more exposed to than general liability alone.
Typically the firm’s professional liability policy covers the work performed by the firm’s partners and employees acting within the scope of their role, but partners may also need individual D&O protection depending on the firm’s structure. We review your specific setup to confirm the right coverage applies to the right people.
Yes — this is one of the most common reasons professional services firms come to us. Send us the insurance requirements section of the contract and we’ll review what you currently carry against what’s being asked for, then close any gaps before you need to sign.
Most firms handle more digital client information than they initially think — email correspondence, financial documents, contracts — and even a firm with modest digital footprint can be a target. It’s worth a specific conversation rather than assuming your exposure is minimal.
You contact us first — we help you document the situation correctly, get the claim filed with the right carrier, and stay involved as your advocate through investigation and resolution, not just at the point of filing
