The work itself is the exposure, not the waiting room.
Commercial insurance for med spas, law firms, accountants and consultancies. Built around errors and omissions rather than premises risk.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What professional services businesses actually need.
Professional liability
Covers the advice, the drawing, the diagnosis — the work itself, rather than someone getting hurt on your premises.
Without it — A client who says your advice or treatment cost them money has a claim general liability does not touch.
General liability
Third-party bodily injury and property damage — the line nearly every contract names by default.
Without it — Ordinary premises injuries still happen, and every office lease requires the coverage.
Cyber & tech E&O
Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.
Without it — Client records are the asset. A breach means notification costs, regulators and a business that cannot operate.
Employment practices liability
Wrongful termination, discrimination and harassment claims brought by your own employees. General liability specifically excludes these.
Without it — Employment claims from professional staff are frequent, expensive and excluded from general liability.
Business owners policy
General liability and property packaged together. Cheaper than buying them separately when you qualify, and most small businesses do.
Without it — Office contents and liability cost less packaged than bought separately.
Directors & officers
Protects the personal assets of the people running the company when they are sued over a management decision. It applies to private companies and nonprofit boards, not just public ones — a common and expensive misunderstanding.
Without it — Management decisions expose the personal assets of whoever made them, including at a private firm.
What professional services operators ask us.
What is the difference between general liability and professional liability?
General liability covers bodily injury and property damage — someone falls in your office. Professional liability, also called errors and omissions, covers the work: the advice, the filing, the treatment, the design. A firm that only carries general liability is insured for the least likely thing that will happen to it.
Do med spas need something different?
Yes. Med spas sit between professional services and medical, and the coverage has to follow the procedures actually performed and who performs them. Injectables, lasers and body contouring are rated separately, and a policy written for a day spa will not respond to a claim from a medical procedure. It is worth being precise about scope at application rather than at claim.
How much professional liability should I carry?
Start with what your client contracts require — many specify one or two million — then look at the size of the engagements you take on. The useful test is the largest single mistake you could plausibly make, not your revenue. Claims-made policies also need attention to the retroactive date, which is what preserves coverage for work already done.