Pick your profession and the limit your contract asks for. Each guide explains what the requirement means, who asks for it, how the limit is built and what underwriters review.
Guides by limit
- How to Get $1M Professional Liability (E&O) Insurance
- How to Get $2M Professional Liability (E&O) Insurance
- How to Get $3M Professional Liability (E&O) Insurance
- How to Get $5M Professional Liability (E&O) Insurance
- How to Get $10 Million in Professional Liability (E&O) Insurance
Accounting and tax
- CPA firms: $1M · $2M · $3M · $5M · $10M
- Non-CPA accountants: $1M · $2M · $3M · $5M
- Bookkeepers: $1M · $2M · $3M
- Personal tax preparers: $1M · $2M
- Business tax preparers: $1M · $2M · $3M
- Enrolled agents: $1M · $2M
- Payroll service providers: $1M · $2M · $3M · $5M
- Fractional CFOs and controllers: $1M · $2M · $3M · $5M
- Forensic accountants: $1M · $2M · $3M · $5M
- Sales tax and tax compliance consultants: $1M · $2M · $3M
Healthcare administration (non-clinical)
- Medical billing companies: $1M · $2M · $3M · $5M
- Medical coding companies: $1M · $2M · $3M
- Revenue cycle management firms: $1M · $2M · $3M · $5M · $10M
- Credentialing services: $1M · $2M · $3M
- Healthcare consultants: $1M · $2M · $3M · $5M
- Medical practice management consultants: $1M · $2M · $3M
- HIPAA compliance consultants: $1M · $2M · $3M · $5M
- Medical transcription services: $1M · $2M
- Healthcare staffing agencies (non-clinical): $1M · $2M · $3M · $5M
Financial and business valuation (non-securities)
- Business brokers: $1M · $2M · $3M
- M&A advisors: $1M · $2M · $3M · $5M · $10M
- Business valuation firms: $1M · $2M · $3M · $5M
- Equipment appraisers: $1M · $2M · $3M
- Personal property appraisers: $1M · $2M
- Collection agencies: $1M · $2M · $3M · $5M
- Credit counselors: $1M · $2M
- Independent insurance adjusters: $1M · $2M · $3M
- Public adjusters: $1M · $2M · $3M
- Premium auditors: $1M · $2M
- Title abstractors: $1M · $2M
Insurance and benefits
- Insurance agencies: $1M · $2M · $3M · $5M
- Employee benefits consultants: $1M · $2M · $3M · $5M
- PEO and HR outsourcing firms: $1M · $2M · $3M · $5M · $10M
- Third-party administrators: $1M · $2M · $3M · $5M · $10M
Management and business consulting
- Management consultants: $1M · $2M · $3M · $5M · $10M
- Strategy consultants: $1M · $2M · $3M · $5M · $10M
- Operations consultants: $1M · $2M · $3M · $5M
- Change management consultants: $1M · $2M · $3M · $5M
- Procurement consultants: $1M · $2M · $3M · $5M
- Supply chain consultants: $1M · $2M · $3M · $5M
- Independent project managers: $1M · $2M · $3M
- Nonprofit consultants: $1M · $2M
- Grant writers: $1M · $2M
- Fundraising consultants: $1M · $2M
- Association management companies: $1M · $2M · $3M
HR, staffing and recruiting
- HR consultants: $1M · $2M · $3M · $5M
- Compensation consultants: $1M · $2M · $3M · $5M
- Staffing agencies: $1M · $2M · $3M · $5M · $10M
- IT staffing firms: $1M · $2M · $3M · $5M
- Executive search firms: $1M · $2M · $3M · $5M
- Independent recruiters: $1M · $2M
- Background screening companies: $1M · $2M · $3M · $5M
Marketing, media and creative
- Marketing consultants: $1M · $2M · $3M
- Advertising agencies: $1M · $2M · $3M · $5M
- Digital marketing agencies: $1M · $2M · $3M · $5M
- SEO agencies: $1M · $2M · $3M
- Social media managers: $1M · $2M
- PR firms: $1M · $2M · $3M · $5M
- Graphic designers: $1M · $2M
- Copywriters: $1M · $2M
- Photographers: $1M · $2M
- Video production companies: $1M · $2M · $3M
- Content creators and influencers: $1M · $2M
- Publishers: $1M · $2M · $3M · $5M
- Event planners: $1M · $2M · $3M
- Wedding planners: $1M · $2M
Technology
- Software developers: $1M · $2M · $3M · $5M · $10M
- SaaS companies: $1M · $2M · $3M · $5M · $10M
- App developers: $1M · $2M · $3M · $5M
- Web designers and developers: $1M · $2M · $3M
- IT consultants: $1M · $2M · $3M · $5M · $10M
- Managed service providers (MSPs): $1M · $2M · $3M · $5M · $10M
- Cybersecurity consultants: $1M · $2M · $3M · $5M · $10M
- Data analytics firms: $1M · $2M · $3M · $5M
- AI consultants: $1M · $2M · $3M · $5M · $10M
- ERP and CRM implementation consultants: $1M · $2M · $3M · $5M · $10M
- Telecom consultants: $1M · $2M · $3M
- IT project managers: $1M · $2M · $3M
Real estate and property
- Property managers: $1M · $2M · $3M · $5M · $10M
- Community association managers: $1M · $2M · $3M · $5M
- Home inspectors: $1M · $2M
- Commercial building inspectors: $1M · $2M · $3M · $5M
- Construction managers: $1M · $2M · $3M · $5M · $10M
- Owner's representatives: $1M · $2M · $3M · $5M · $10M
- Environmental consultants: $1M · $2M · $3M · $5M · $10M
- Energy auditors: $1M · $2M · $3M
- Interior designers: $1M · $2M · $3M
- Real estate appraisers: $1M · $2M
- Relocation companies: $1M · $2M · $3M
- Real estate consultants: $1M · $2M · $3M
Inspection, safety and technical
- Safety consultants: $1M · $2M · $3M · $5M
- Loss control consultants: $1M · $2M · $3M
- Quality control inspectors: $1M · $2M · $3M · $5M
- Third-party inspection firms: $1M · $2M · $3M · $5M · $10M
- Testing laboratories: $1M · $2M · $3M · $5M · $10M
- ISO and quality system consultants: $1M · $2M · $3M
- Regulatory compliance consultants: $1M · $2M · $3M · $5M
- Forensic consultants: $1M · $2M · $3M · $5M
- Accident reconstructionists: $1M · $2M · $3M
- Security consultants: $1M · $2M · $3M · $5M
- Private investigators: $1M · $2M
Legal support
- Independent paralegals: $1M · $2M
- Legal document preparers: $1M · $2M
- Immigration consultants (non-attorney): $1M · $2M
- Court reporters: $1M · $2M
- E-discovery vendors: $1M · $2M · $3M · $5M · $10M
- Records management companies: $1M · $2M · $3M · $5M
- Litigation support consultants: $1M · $2M · $3M
- Expert witnesses: $1M · $2M · $3M
- Mediators and arbitrators: $1M · $2M
- Translators and interpreters: $1M · $2M
- Process servers: $1M
Health and wellness (non-medical)
- Personal trainers: $1M · $2M
- Fitness instructors: $1M · $2M
- Yoga instructors: $1M · $2M
- Pilates instructors: $1M · $2M
- Life coaches: $1M · $2M
- Business and executive coaches: $1M · $2M · $3M
- Nutrition and health coaches: $1M · $2M
- Doulas: $1M · $2M
- Lactation consultants: $1M · $2M
- Senior placement agencies: $1M · $2M · $3M
Education and training
- Tutors: $1M · $2M
- Test prep companies: $1M · $2M · $3M
- Educational consultants: $1M · $2M · $3M
- College admissions consultants: $1M · $2M
- Corporate trainers: $1M · $2M · $3M
- OSHA and safety trainers: $1M · $2M · $3M
- Online course creators: $1M · $2M
Logistics and travel
- Freight brokers: $1M · $2M · $3M
- Customs brokers: $1M · $2M · $3M · $5M
- Freight forwarders: $1M · $2M · $3M · $5M
- 3PL and logistics consultants: $1M · $2M · $3M · $5M
- Travel agents: $1M · $2M
- Tour operators: $1M · $2M · $3M
- Corporate travel management companies: $1M · $2M · $3M · $5M
Broad categories
- Consultants: $1M · $2M · $3M · $5M · $10M
- Financial services: $1M · $2M · $3M · $5M · $10M
- Real estate services: $1M · $2M · $3M · $5M · $10M
- Technology and media: $1M · $2M · $3M · $5M · $10M
- Health and wellness: $1M · $2M · $3M · $5M · $10M
- Education and training: $1M · $2M · $3M · $5M · $10M
- Inspection and safety: $1M · $2M · $3M · $5M · $10M
- Legal support: $1M · $2M · $3M · $5M · $10M
- Logistics and travel: $1M · $2M · $3M · $5M · $10M
Explainers
- Can a Client Be Added as Additional Insured on Professional Liability (E&O)?
- Can a New Business Get Professional Liability (E&O) With No Revenue History?
- Can a Solo Freelancer Get Professional Liability (E&O) Insurance?
- Claims-Made vs Occurrence: Why Professional Liability (E&O) Is Almost Always Claims-Made
- Defense Costs Inside vs Outside the Limit on Professional Liability (E&O)
- Do 1099 Independent Contractors Need Their Own Professional Liability (E&O)?
- Does a Commercial Umbrella Policy Cover Professional Liability (E&O)?
- How Professional Liability (E&O) Shows on a Certificate of Insurance
- How to Read MSA Insurance Requirements for Professional Liability (E&O)
- Professional Liability (E&O) Limits Explained: $1M/$1M vs $1M/$2M vs $2M/$2M
- Professional Liability (E&O) Requirements for Government Contracts
- Professional Liability (E&O) Requirements for Healthcare Vendors to Hospitals and Health Systems
- Professional Liability (E&O) vs Cyber Insurance: What Each Covers
- Professional Liability (E&O) vs General Liability: Do You Need Both?
- Tail Coverage for Professional Liability (E&O): When You Need an Extended Reporting Period
- Technology E&O vs Miscellaneous E&O: Which Professional Liability (E&O) Form Fits Your Business?
- The Contractual Liability Exclusion in Professional Liability (E&O), Explained
- What Affects the Cost of Professional Liability (E&O) Insurance?
- What Is a Retroactive Date on Professional Liability (E&O)?
Frequently asked questions
How do I find the right guide for my business?
Find your profession below and open the limit your contract asks for. Each guide explains what that limit means, who asks for it, how it is built and what underwriters review.
What if my profession is not listed?
Start with the guide for your limit under Guides by limit, or the closest broad category. Morrow can also review your contract requirement and current policy and request quotes.
Are higher Professional Liability limits harder to find?
Often, yes. $3M and above is rarely available online, and $5M and above is very rare online and almost always needs a broker. Morrow can help you find it.
Looking for Professional Liability? Morrow can help.
Send us the insurance requirement from your contract and your current policy. Morrow can review both and request quotes.
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These guides are general information, not legal advice or a coverage determination. Coverage depends on the actual policy wording, carrier underwriting and your contract terms.
