Commercial insurance · San Francisco
Commercial insurance for professional firms and design practices.
We take your insurance account to market and compare the quotes against your professional work and client contracts. You get a recommendation that explains the coverage, the exclusions, and the cost.
Insurance for the engagements you take on
We follow the scope of work through the submission and policy comparison.
Scope of services
We check that the insured services include the advice or design you deliver.
Insurance requirements
We read the client’s required limits and endorsements before seeking terms.
Policy conditions
We explain the exclusions and reporting terms that affect your choice.
Our business customers
Arranging your insurance
We handle the account from submission to recommendation.
We define the account
We establish your services and subconsultant responsibilities, then update the submission for new work or changes since your last renewal.
We shop the insurance
We approach the market with your business details and client requirements, handling the follow-up needed to develop the proposals.
We explain the choices
We compare the quotes with your current insurance and explain why we recommend an option, including any requirement the offered terms do not meet.
Commercial insurance policies
Coverage for your advice, office, and client data.
We compare professional liability alongside general liability and cyber insurance, checking how the policies address your work and the obligations you accept.
Choose a policy to read about
Professional liability
We seek professional liability insurance for allegations that your advice, analysis, or design caused a client loss.
A client alleges that an omitted design detail led to additional project costs. The review starts with the work performed, the allegation and the policy’s description of professional services.
Read the full policy guide →General liability
We shop general liability for office and site-visit exposures, with attention to the endorsements your clients and landlord require.
A visitor trips during a meeting at your office. That presents a different coverage question from a client alleging an error in your technical advice.
Read the full policy guide →Cyber liability
We compare cyber insurance for client information, compromised business accounts, and interruptions affecting your systems.
An intruder accesses a shared project mailbox containing client information. Incident response and a client’s resulting demand may engage different parts of the policy.
Read the full policy guide →Let us shop insurance for your next engagement or renewal.
Tell us what your firm does and when you need terms. We will work through the client requirements and compare available commercial insurance.
Who we help
Insurance for the professional work your clients rely on.
We build submissions for consulting firms and design practices around the services performed and the responsibilities assigned in each engagement.
Consulting and professional services
Commercial insurance for consulting firms and professional businesses responsible for advice, analysis, and specialist services.
Find your practiceArchitects and engineers
Commercial insurance for architects and engineers, accounting for design responsibilities, subconsultants, and earlier project work.
Find your practiceClient insurance requirements
We check the policy behind the client’s request.
We read additional-insured requests and other insurance clauses against the available endorsements. If the policy does not support the requested wording, we identify the issue and pursue the available changes.
The services definition does the work
Professional liability answers according to how it describes your services. We read that definition against the advice, analysis, and design your firm actually delivers.
Client clauses checked before signing
Additional-insured requests, other-insurance clauses, and indemnity wording arrive with the engagement. We identify what the policy can support and pursue the changes available.
Prior work kept in view
Retroactive dates and reporting conditions affect whether a claim arising from earlier professional work can be covered. We compare those terms before recommending any claims-made change.
What you get from our insurance work
- A prepared submission
- We describe the services and responsibilities your firm takes on.
- A policy comparison
- We show how offered terms address the client’s requirements.
- A recommendation
- We explain the option we favor and the limitations to consider.
Complete policy review
We read beyond the declarations page.
The services definition or an endorsement can narrow what a quote appears to offer. We read the complete wording, follow up on unresolved terms, and explain the effect on your client obligations.
- Current policy and endorsements
- Client insurance schedule
- Changes in services or projects
- Unresolved wording questions
Professional insurance answers
Know what your business insurance is being asked to do.
Does the limit on a certificate settle a client’s insurance requirement?
A limit alone does not establish that the client’s requirements are met. We also check the insured entity, policy period, and required endorsements. The certificate can report those terms, but it cannot amend them.
Can general liability replace professional liability for a consulting engagement?
General liability may exclude professional services. We examine allegations of financial loss from advice under professional liability, while checking general liability for the firm’s office and other business operations.
What deserves attention when a design practice changes insurers?
We check how the proposed policy treats earlier services, including its retroactive date and reporting conditions. Before recommending a change, we examine how a claim reported afterward could be treated and identify continuity questions that need a written answer.
Kearny Street
Insurance when you bring another practice into the project.
When your San Francisco firm appoints a subconsultant, we examine how the work is divided and how the proposed insurance treats responsibility for it. We read the client agreement alongside the appointment so the submission reflects both your own services and the work performed on your behalf.