The work itself is the exposure, not the waiting room.

A financial planner sells judgment: a retirement date, a withdrawal rate, a mix of accounts, a recommendation to take the pension as a lump sum. When the judgment turns out badly, or the market makes it look bad, the client sues for the difference between what they have and what the plan projected. Professional liability (often called errors and omissions) defends and pays those claims, and it is the one policy a planner cannot practice without, because broker-dealers, custodians and many clients require it. We place it for fee-only planners, planners who also hold securities or insurance licenses, and small firms with a few advisors, with cyber and a bond alongside where a client or a regulator asks for them.

A registered investment advisor manages other people's money under a duty to put their interests first, and is examined by the SEC or a state securities department on a schedule it does not control. The claims follow the duty: a client says the portfolio was unsuitable or the fees were not disclosed, or a regulator says the compliance program was not followed. Errors and omissions insurance for an RIA defends both, and it needs three things a generic professional policy may not carry: a fiduciary wording, regulatory defense costs, and coverage for the firm's principals personally. We place it for solo RIAs, hybrid firms that also clear through a broker-dealer, and firms with several advisors, with cyber and a fidelity bond alongside.

An architect or engineering firm needs professional liability written as a claims-made practice policy, never allowed to lapse, plus general liability, workers comp and auto for site visits, and a project-specific policy when an owner requires a dedicated limit. An architect or engineer is sued when the design is blamed: a roof that leaks, a slab that heaves, a change order the owner refuses to pay for, a schedule that slipped because the drawings were incomplete. The claim is often made by the owner and joined by the contractor, and it arrives years after the work. Professional liability for design firms is written on a claims-made basis, which means the policy in force when the claim is made pays, provided the work was done after a date printed on the policy. That mechanism is why a design firm never lets the policy lapse. We place practice policies for firms of one to fifty, project-specific policies where an owner requires one, and the general liability, auto and workers compensation a firm needs beside them.

A professional trustee, a private fiduciary or a firm that serves as trustee holds other people's money under a duty that courts enforce strictly. The claims come from beneficiaries: an investment that lost value, a distribution they say was late or unfair, a fee they call excessive, a co-trustee who accuses the other. Trustee professional liability, sometimes called fiduciary errors and omissions, defends those claims and pays what the trustee is found to owe. It is a different thing from the bond a court may require, which protects the trust and then looks to the trustee for repayment. We place it for individual professional trustees, fiduciary firms, accountants and attorneys who serve as trustee, and family offices.

A business run from home is a business, and the homeowners policy that covers the house was written on the assumption there is not one. Most homeowners forms cap business property at a small sum, exclude liability for business activity, and pay nothing for lost income when the home is unusable. A home-based business policy fills those three gaps for a fraction of what a storefront pays, because the exposure is smaller and the underwriter knows it. We place them for consultants, makers, online sellers, tutors, therapists and the hundred other things people do from a spare room.

A law firm needs lawyers professional liability written claims-made around its practice areas, then crime coverage for trust account and closing wire fraud, cyber for privileged files, and general liability for the office lease. Oregon makes coverage a condition of private practice through a bar-run fund; in most states the requirement comes from clients, lenders and courts instead.

An accounting firm needs accountants professional liability for the returns, audits and advice, written claims-made with the retroactive date protected, plus cyber, because the FTC treats a tax practice as a financial institution that must keep a written security program. Add crime coverage where you move client money and employment practices once you hire.

A consultant needs professional liability, also called errors and omissions, for the client who says your advice or work cost them money, plus general liability and often cyber because client contracts ask for all three before you start. It is written claims-made, so keep it in force and protect the retroactive date. We place it for management, HR, research, benefits and independent consultants.

Authority filings, BOC-3s, drug and alcohol programs and safety audit prep all carry a deadline, and a deadline missed for a motor carrier costs them revenue they will ask you to pay back. We write professional liability for the firms that do this work.

We insure digital, social media, SEO and performance marketing agencies with professional and media liability for the work, cyber for client ad accounts, and crime coverage for wire fraud.

We insure advertising and creative agencies with media and professional liability for the work, crime coverage for media-buy wire fraud, and production coverage for the shoots you run.

We insure PR and communications firms with media liability for defamation in the statements you place, professional liability for the advice, and cyber for client accounts you run.

A med spa needs medical malpractice written for its injectables and energy devices, covering every injector and the medical director, plus general liability, property for the devices and workers comp, and the policy only holds if each injector is licensed and supervised the way your state requires and your procedures are not on the carrier’s excluded list.

We cover home and property inspectors with errors and omissions written for missed defects, plus the general liability every agent and association asks you to evidence.