Professional liability insurance for the quality of your work
General liability leaves one thing exposed: your professional work. A design error, an unsuitable recommendation or a missed deadline can become a negligence claim, and defense costs build long before any judgment. We structure claims-made E&O programs for professionals across Washington and Oregon.
Claims-made specialists · Same-day certificates
The costly risks professionals face
Illustrative examples of how a single professional mistake escalates, and what closes the gap.
An architect's calculation error forces a redesign
Structural calculations contained an error discovered during construction. The foundation had to be redesigned and rebuilt, causing eight months of delays and cost overruns. The developer sued for redesign costs, delay damages and lost rental income; without E&O, the architect faced personal bankruptcy and license suspension.
- Redesign and rebuild costs$1,020,000
- Construction delay damages$450,000
- Lost rental income$200,000
- Legal defense$180,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right E&O program for your practice
Every professional program starts with core errors and omissions, legal defense and negligence coverage. Tell us how you operate and we'll add what typically applies. A starting point for discussion, not a quote.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- Errors & Omissions (E&O)Core cover for mistakes and failure to perform.
- Legal Defense CostsAttorney fees, court costs and expert witnesses.
- Negligence ClaimsAlleged failure to exercise due professional care.
- Regulatory DefenseLicensing-board and regulatory investigations.
- Breach of ContractAlleged failure to deliver contracted services.
- Cyber Liability Add-OnData breaches and privacy incidents on client data.
- Prior Acts CoverageRetroactive cover for services before the policy.
- Third-Party ClaimsNon-clients who rely on your work product.
From engagement to certificate
Four steps to a claims-made program built for your profession, with a retroactive date that keeps prior work covered.
Understand your practice
Your services and specialty scope, client contracts and engagement letters, revenue and project sizes, and prior claims or circumstances, so the program matches your profession.
Match to E&O specialists
We compare dedicated E&O insurers and national markets with profession-specific forms, rather than standard markets that decline or overprice professional risk.
Structure the claims-made policy
The proper retroactive date, limits that meet your contracts, defense inside or outside limits, and tail and extended reporting options so no year of prior work is left exposed.
Certificates and claims
Same-day certificates, review of client-contract insurance requirements, support from first notice of a claim, and renewals with no gaps.
Every coverage a professional practice may need
Filter by type or search for a specific coverage.
Errors & Omissions (E&O)
Core professional liability for mistakes, oversights and failure to perform services as promised, with limits from $250K to $10M+.
Legal Defense Costs
Attorney fees, court costs, expert witnesses and litigation expenses, even for groundless claims that still require a defense.
Negligence Claims
Allegations of professional negligence, failure to exercise due care or breach of professional duty.
Breach of Contract
Claims that you failed to deliver contracted professional services or meet contractual obligations.
Misrepresentation Defense
Claims that your advice or statements were misleading, inaccurate or caused a client harm.
Third-Party Claims
Suits from non-clients who relied on your work product or advice.
Regulatory Defense
Defense costs in licensing-board investigations, regulatory inquiries and disciplinary proceedings.
Prior Acts Coverage
Retroactive coverage for services performed before the policy effective date, important when switching carriers.
Subcontractor Liability
Claims arising from work by subcontractors and outside experts under your direction.
Personal Injury Coverage
Claims of defamation, libel, slander or invasion of privacy arising from your professional services.
Cyber Liability Add-On
Data breaches, privacy violations and cyber incidents involving the client information you handle.
Crisis Management
Access to PR specialists and reputation-management services when a claim threatens your standing.
Professionals we protect
From architects and engineers to accountants, consultants and the licensed specialists whose advice carries real risk.
Architects & designers
Design firms, drafters and interior designers.
Engineers
Civil, structural, mechanical and electrical engineers.
Accountants & CPAs
Tax preparers, auditors and bookkeeping firms.
Financial advisors
Advisors, planners and investment consultants.
Management consultants
Strategy, operations and business consultants.
IT & tech consultants
Software, IT services and technology advisors.
Marketing & ad agencies
Marketing, PR, design and media firms.
Real estate professionals
Agents, brokers, appraisers and property managers.
Insurance & benefits agents
Agencies, brokers and benefits consultants.
Home & building inspectors
Inspectors, estimators and assessors.
HR & staffing consultants
HR advisors, recruiters and staffing firms.
Other licensed professionals
Notaries, expediters and specialty advisors.
Specialists who understand professional risk
Professional-risk focus
Since 1992 we've insured architects, engineers, consultants, accountants and licensed professionals, and we know the insurance requirements written into client contracts.
Claims-made expertise
Proper retroactive dates, tail coverage and clean transitions between carriers, so a gap never leaves a prior year of work exposed.
Claims and risk support
We coordinate with carriers, attorneys and adjusters when a claim arises, and guide engagement letters, scope limitations and practices that reduce exposure.
Protect your professional reputation
Request a professional liability review to identify coverage gaps, retroactive-date issues and limits that meet your contracts. No obligation.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder, and the coverage builder is a starting point for discussion rather than a quote or coverage determination. Scenarios and dollar figures are illustrative examples, not representations about any practice. Professional liability is written on claims-made forms and terms vary by policy. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.