The line that protects firms from claims that their work, advice or deliverable caused a client loss — sized to fee revenue, bound to MSA requirements.
Professional liability (errors & omissions) covers allegations that your professional services were negligent, wrong, incomplete or late. It's the defining policy for firms whose product is advice, design or deliverables — where one bad outcome can swallow a year of fees.
This is the textbook E&O claim. Standard GL won't touch a pure economic loss from professional services. Professional liability defends and pays where the allegation is that your work, advice or deliverable was wrong, late or incomplete.
Most B2B engagements over a certain size now require evidence of professional liability — sized to the contract value. We bind to the exact limit, retention and additional-insured wording your customer requires.
If what you sell is knowledge, judgement or execution, professional liability is the line that protects you for it. The risk doesn't go away because the loss feels abstract — and one bad outcome can swallow a year of fees.
Clients sue the firm that signed the contract, not the freelancer. Professional liability written for an agency or platform model includes vicarious liability for sub-contracted work — but the wording has to be right.
Allegations that your professional services were negligent, wrong, incomplete or late — including failure to deliver to the scope and standard of care.
Legal defence — often outside the limit on better forms — to defend the allegation, whether or not the underlying claim has merit.
Indemnity for amounts payable to the third party — either negotiated settlements or court awards — up to your policy limit.
Cover for the work of 1099s, freelancers and subcontracted firms operating under your engagement — written into the form so the agency model is properly handled.
Those sit with GL. We make sure the two policies line up so a claim doesn't fall in the gap.
Wilful misconduct is excluded everywhere. Honest mistakes and judgement calls are exactly what the policy is for.
Professional liability is claims-made. Anything you knew about before bind is excluded — which is why your retro date and prior-acts continuity matter so much.
Law firms, accounting firms, consultancies and agencies — sized to fee revenue and bound to MSA requirements.
See the pageTech E&O combined with cyber and contingent BI — bound to client MSAs and priced on actual delivery model.
See the pageA&E professional liability sized to project mix and owner contracts, with tail managed at carrier moves.
See the pageMedical and dental malpractice across specialities, with claims-made and occurrence forms compared properly.
See the pageInvestment advisor E&O on dedicated forms — sized to AUM and regulatory posture, not a generic rate.
See the pageTech E&O and cyber for venture-backed SaaS, AI and fintech — sized to clear enterprise procurement.
See the pageWe work with the carriers and MGAs that build dedicated professional liability products for your discipline — not a generic 'miscellaneous professional' rate.
We read the MSA before you sign. If the limits, triggers or additional-insured wording are unusual, you'll know — and we'll bind to the exact language.
Claims-made forms only pay if your retro and prior-acts are continuous. We manage tail at every carrier move so the gap doesn't catch you years later.
Law firms over-index on ransomware in their cyber planning. The faster-growing claim is silent exfiltration of client matter data — and the policy response is different.
Accountants over-rely on professional liability as their whole insurance programme. Here are the four other lines that actually matter for a CPA practice in 2026.
A Canadian tribunal made Air Canada eat the cost of its own chatbot's bad advice. What that ruling means for any firm shipping AI features in 2026.
Tell us about your firm and what you sell. We'll shop the specialty E&O markets for your discipline and bind to the exact wording your customers require.