Insurance for firms that sell advice and deliverables
When your product is advice, designs, or deliverables, the largest exposure isn't physical damage. It's a client claiming your work cost them money. Professional liability (errors and omissions) is the policy that responds, and it's the one most service firms either skip or buy in the wrong amount.
What a complete program looks like
A typical agency, consultancy, or boutique firm should carry four lines. A BOP for the office. Professional liability for the work product. Cyber for the data the firm holds. Employment practices liability for the team. Most clients we onboard are missing at least one.
Coverages we place
Professional Liability and E&O for claims tied to services or advice. Cyber Liability for breach response, ransomware, and wire-transfer fraud. Business Owner's Policy for office contents, general liability, and basic loss of income. Employment Practices Liability for wrongful termination, harassment, and discrimination claims. Directors and Officers for VC-backed or board-governed firms. Workers' Compensation, even on lean W-2 teams.
Firms we work with
Marketing and creative agencies, management consultancies, IT consultants and MSPs, accountants and bookkeepers, architects and engineers, design studios, recruiting firms, financial advisors (non-broker-dealer), and law firms. If you bill clients for thinking, we have a market for you.
Tell us about your business and we'll come back with options from carriers writing your class.
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