Professional services insurance for the advice clients rely on
The tax election, the structural drawing, the technology recommendation: your clients rely on your advice. Since 1992 we've built programs for Pacific Northwest firms that go beyond general liability to cover E&O, cyber, management and regulatory exposures.
A-rated carriers · Same-day certificates · Prior-acts and tail support
The claims that threaten a practice
Illustrative examples of how a single professional exposure escalates when coverage is missing or improperly structured.
A CPA firm misses a critical tax-election deadline
An accounting firm failed to file an S-Corp election for a growing client, resulting in five years of unnecessary double taxation. The client sued for the additional taxes, interest, penalties and consequential damages. The E&O policy carried a $500K limit with no umbrella, leaving the firm exposed for the judgment plus about $180K in defense costs.
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your firm
Every firm starts with professional liability (E&O), general liability and a business owners policy. 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.
- Professional Liability (E&O)Negligence, errors and omissions in your work.
- General LiabilityClient injuries and property damage at your office.
- Business Owners Policy (BOP)Office property, equipment and liability bundled.
- Workers' CompensationErgonomic, slip and workplace injuries.
- Employment Practices LiabilityDiscrimination, harassment and wrongful termination.
- Cyber LiabilityData breaches, ransomware and privacy claims.
- Regulatory DefenseLicensing-board and disciplinary proceedings.
- Business InterruptionLost income if your office must close.
From first call to certificate
Understand your practice
Your discipline and scope of services, contract sizes and client types, the data and systems you hold, and claims history and prior-acts needs.
Market to E&O specialists
We compare A-rated carriers that specialize in professional liability for your field, with claims-made and occurrence options and pricing that recognizes a clean claims history.
Build the program
E&O at adequate limits with an umbrella above it, general liability, a BOP and cyber, with D&O, fiduciary, EPLI, regulatory defense, business income and auto layered in as needed.
Certificates and claims
Certificates for client engagements, review of insurance terms in your contracts, prior-acts and tail (ERP) guidance, and support from first notice of a complaint or suit.
Every policy a professional firm may need
Filter by type or search for a specific coverage.
Professional Liability (E&O)
Claims of negligence, errors, omissions and failure to perform professional duties, covering defense costs, settlements and judgments.
General Liability
Bodily injury and property damage unrelated to professional services: client slips and falls at your office, damage to client property and advertising injury.
Umbrella / Excess Liability
Additional limits beyond primary policies, important when a professional-liability claim can exceed $1M.
Directors & Officers
Partners, principals and board members against claims of mismanagement, breach of fiduciary duty and governance failures.
Fiduciary Liability
For firms that manage employee benefit plans or retirement accounts or serve as trustees.
Regulatory Defense
Defense for licensing-board investigations, regulatory audits and disciplinary proceedings.
Business Owners Policy (BOP)
Office property, equipment, business interruption and general liability bundled for small to mid-size firms.
Cyber Liability
Data breaches, ransomware and privacy violations, important for firms holding confidential client data, financial records or proprietary information.
Commercial Auto
Firm vehicles plus hired and non-owned auto for client visits and business travel.
Business Interruption
Lost income when the firm must close after a covered event, keeping payroll, rent and expenses paid.
Workers' Compensation
Required for employees; office work still carries repetitive-stress, fall and ergonomic injuries.
Employment Practices Liability
Employee claims of discrimination, harassment, wrongful termination and retaliation.
Coverage for every professional discipline
E&O programs from solo practitioners to multi-partner firms.
Accountants & CPAs
Tax preparation, auditing, bookkeeping, financial planning and advisory, from solo practitioners to regional firms.
Attorneys & law firms
Legal malpractice for litigation, corporate, real estate, estate planning and family law.
Architects & designers
Architectural firms, interior designers, landscape architects and design-build professionals.
Engineers
Civil, structural, mechanical, electrical and environmental engineers, including inspection and testing firms.
IT & technology consultants
Software developers, systems integrators, cybersecurity consultants and managed-service providers.
Management consultants
Strategy, HR, operations and business coaching.
Financial advisors
Investment advisors, wealth managers, planners and broker-dealers needing securities-specific E&O.
Real estate professionals
Brokers, agents, property managers and appraisers.
Marketing & PR agencies
Advertising, digital marketing, PR and creative agencies with media-liability exposure.
Specialists who understand professional risk
Professional liability focus
We've protected firms across Washington, Oregon and the Pacific Northwest since 1992, placing coverage with specialized professional-liability markets.
Contract support and claims
Quick certificates for client engagements, help with insurance requirements in service agreements, and guidance through the claims process.
Prior acts and tail
Changing firms, retiring or closing a practice: we work through prior-acts and extended-reporting options, plus engagement-letter templates and risk guidance.
Ready to protect your professional practice?
Request a coverage analysis and quotes from specialists who understand professional liability. Same-day quotes are often available; 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 firm. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.