Expertise, insured
When your product is advice, the biggest risk is a client who says your work cost them money.
Professional services and offices
Where the risk lives
Consultants, real estate offices, IT firms, marketing agencies, designers, accountants and other offices.
- 01A client says a mistake or missed deadline cost them money
- 02A contract requires a set amount of professional liability
- 03An employee claim over firing or harassment
- 04Office property and computer equipment
- 05Claims-made policies that leave a gap when you switch carriers
Most owners carry
The usual stack
To move fast
Oscar’s tip
Have the insurance clause from your biggest client contract handy. Oscar will match the limits and check for prior acts coverage.
FAQ
Questions
Do I need E&O if I’m a one-person firm?
If a client could say your work cost them money, it’s worth a look. Many client contracts require it.
Does my package policy cover my laptop?
Business property usually does at your office. Ask about coverage for gear you carry with you.
Coverage for professional services and offices
CoverageProfessional liabilityAlso called errors and omissions. Covers claims that your advice, service or work caused a client to lose money.CoverageSmall business packageBundles property and general liability into one policy, often with business income coverage, at one price.CoverageEmployment practicesCovers claims from employees or job applicants over how they were treated at work.
Next step
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