Coverage

Commercial insurance for professional services

We help select the policies that address your professional work and business operations. Each comparison explains what the quote offers and which contract requirements need further attention.

The advice and the deliverable

Professional liability

We compare errors and omissions policies against the services your firm delivers. The definition of professional services determines which work is addressed, so we examine it alongside the limit and exclusions.

What we check

  • Whether every service and discipline you provide appears in the insured services description.
  • The retroactive date, prior-knowledge provisions and timing requirements for making and reporting a claim.
  • Whether defense expenses reduce the available limit and how the retention applies.
  • Exclusions for assumed contractual liability, express warranties and performance guarantees.

Contract checkpoint

We examine the agreement’s standard of care and indemnity provisions against the quote. A contractual obligation to pay can extend beyond insured professional negligence, and we flag that difference for your decision and counsel’s advice.

The office and the site visit

General liability

We compare general liability for covered bodily injury and property damage arising from the business. We read professional-services exclusions carefully so premises coverage is not mistaken for protection against an error in your advice.

What we check

  • Premises and operations described in the policy, including work away from the office.
  • Additional-insured wording requested by a landlord or project owner, including any written-contract condition.
  • Whether an endorsement changes professional-services or property-damage coverage.
  • Requested primary and noncontributory wording or waiver of subrogation, as supported by actual endorsements.

Evidence checkpoint

We check the endorsement needed to support a client’s insurance request. A party named as certificate holder does not become an additional insured through the certificate alone.

The files and the client data

Cyber liability

We examine incident response cover alongside privacy and network-security liability. Our comparison explains how the sublimits, notification requirements, and covered systems affect a professional firm’s use of the policy.

What we check

  • Incident notification instructions and any consent requirements for outside response providers.
  • Privacy liability, investigation expenses and the treatment of outsourced systems.
  • Business-interruption waiting periods and the events that trigger coverage.
  • Social-engineering or funds-transfer provisions and the controls required before making a payment.

Data checkpoint

We read the client’s security addendum against contractual-liability exclusions in the cyber quote. A promise to reimburse losses may exceed the incident expenses or liability the policy actually covers.

We explain the restrictions as well as the premium

We read the complete proposal before recommending it. If a services exclusion or reporting condition affects your work, you will see that issue in the comparison and understand why it matters.

Discuss your business insurance