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Industry Expertise

Professional Services

For consultants, accountants, and other advisors, a client who claims your advice or work caused a financial loss can sue even when you did nothing wrong, and many clients now require professional-liability (E&O) coverage in their contracts before signing. In California, workers' comp is mandatory once you hire, and landlords typically require general liability before handing over office keys.

Coverage to Consider Schedule Consultation

Who this coverage is for

This fits consultants, accountants and bookkeepers, marketing and design agencies, HR and recruiting firms, and other advisory businesses. It also suits independent contractors who deliver expertise or professional work products to clients.

What it can help protect

Coverage for advisory businesses centers on the work you deliver and the office you run:

  • Professional liability (E&O) — defends against claims that your advice, service, or error caused a client financial loss.
  • Cyber and data breach — helps with costs when client data or systems are hacked, leaked, or held for ransom.
  • General liability — covers a client or visitor injured at your office or third-party property damage.
  • Employment practices — defends the firm against staff claims of wrongful termination, discrimination, or harassment.
  • Business property — repair or replacement of office equipment and contents after a covered event.

Key industry risk considerations

A licensed review will usually focus on contracts, scope of work, deadlines, and client concentration, remote work and document/data handling, and subcontractors and outsourced delivery.

Coverages for this industry

The coverages most relevant to Professional Services, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

Professional Liability / E&O

E&O for the advice and services you provide.

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Core

General Liability Insurance

Third-party injury and property damage.

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Core

Cyber Liability Insurance

Protects sensitive client data.

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Recommended

Commercial Property Insurance

If you own or lease office space.

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Recommended Often required

Workers' Compensation Insurance

Required once you have employees.

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Situational

Directors & Officers / Management Liability

Management liability for larger firms.

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Have an advisor review the whole stack →

Common Questions