Business insurance
Professional Office Insurance
E&O, cyber, management liability and office coverage for consultants, agencies, accountants, attorneys and other advisors.
Why it's different
Coverage built for how professional offices actually work
When your product is advice, the biggest risk is a client saying it cost them money. Professional offices need errors and omissions coverage first, plus protection for the client data they hold and the office they work from.
- Professional mistakesA missed deadline or flawed recommendation can lead to a lawsuit even when you did nothing wrong. E&O pays for defense.
- Client dataEmails, tax records and contracts make you a target. Cyber coverage pays for breach response, notification and recovery.
- Contract requirementsLarger clients often require specific E&O and cyber limits before they'll sign.
- EmployeesAs you hire, employment practices and workers' comp follow.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
Professional liability (E&O)
Defense and settlements for alleged mistakes
Cyber liability
Breach response, ransomware and data restoration
Business owner's policy
Office property and general liability
Employment practices
For claims from employees
Directors & officers
For firms with boards or investors
Workers' compensation
As your team grows
FAQ
Professional Offices insurance questions
Is professional liability the same as general liability?
No. General liability covers bodily injury and property damage. Professional liability covers financial harm a client says your advice or service caused.
How much cyber coverage does a small office need?
It depends on how much client data you hold and your contracts. We'll size it to your records and any client requirements.
Free, no-obligation review
Get a Professional Offices insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.