Professional liability
Match the policy's insured services to your actual advice, deliverables and subcontracted work.
Professional Services
Professional Services Insurance.
Professional services insurance should match the advice you give, the promises in your contracts and the work that may lead to a claim later.
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What we look at.
Past work
Review retroactive dates and reporting requirements before replacing or canceling a claims-made policy.
Client data and payments
Coordinate cyber, crime and professional liability around client information and payment instructions.
Professional Liability (E&O)
Claims arising from insured professional services. Check retroactive dates, reporting requirements, defense and exclusions.
General Liability
Review bodily injury, property damage, products or completed operations, and required additional insured endorsements.
Cyber Liability
Incident response, liability and selected first-party losses. Review security conditions, business interruption and fraud provisions.
Workers Comp
Review payroll, classifications, work locations and employer's liability. Statutory requirements vary by state and circumstances.
Business Owners Policy
A package for eligible businesses, usually combining property and liability. Additional exposures can require separate policies.
Employment Practices Liability
Employment-related claims such as discrimination or wrongful termination. Review defense, retention and wage-and-hour restrictions.
Hired and Non-Owned Auto
Business liability arising from rented or employee-owned vehicles, subject to the insured use and policy terms.
Umbrella
Additional liability limits over scheduled underlying policies. Check exclusions, attachment and whether terms follow the primary coverage.
Questions & answers
Good questions to ask.
How is professional liability different from general liability?
Professional liability addresses covered claims arising from your services or advice. General liability addresses a different set of exposures, such as premises-related injury or property damage; it is not a substitute for professional liability.
Why does the policy's description of services matter?
It helps define which professional activities are insured. Compare it with current contracts, proposals and actual work, particularly when adding a new service or using subcontractors.
What is a retroactive date?
It is the date used to define how far back covered acts can extend under a claims-made policy. A claim must also meet the policy's timing, reporting and other requirements.
What should we review before changing insurers?
Compare prior acts, retroactive dates, insured services, exclusions and reporting requirements. Address known circumstances and any need for an extended reporting period before the existing policy ends.
From our journal
Related articles.
Industry and coverage references
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