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Professional liability insurance

your advice, backed up.

If a client says your work cost them money, your defense and any settlement are covered. We shop the market and stay with you through the claim.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

mistakes happen. you’re covered.

Missed deadlines, design errors and advice gone wrong. Tap around the office to see what’s covered, and what isn’t.

Illustrated office with a drafting table and blueprints, a wall calendar, shelves of binders, a printer, a meeting table with a contract and pen, a desk with a laptop, a water cooler with a small puddle, a coat rack and a plant

covered

A design mistake costs a client

Your defense and the settlement.

covered

You miss a deadline

Claims that your delay cost them money.

covered

A client blames your advice

Your defense, even if the claim has no merit.

covered

A mistake in your numbers

Errors in the work you deliver.

covered

A design mistake costs a client

Your defense and the settlement.

Examples. Your policy sets the details.

a client’s upset? make one call.

Call before you reply to them. We bring in the carrier and follow up until it’s resolved.

  1. 1. Call us first

    Before you answer the client. What you say can matter.

  2. 2. We bring in the carrier

    They assign a lawyer who knows your field.

  3. 3. We see it through

    We follow up until it’s settled or dropped.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Design Studio

your options

$4,200a year, $1M per claim

3 options, same coverage

Option A$4,200

Option B$4,650

Option C$5,300

ArchitectureChicago, IL$2M revenueNo claims
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about professional liability.

What does professional liability insurance cover?
Professional liability, also called errors and omissions (E&O), covers claims that your work or advice caused a client financial harm. It pays for your legal defense and any settlement or judgment, even if the claim has no merit. It’s common for consultants, designers, accountants, agencies and tech firms.
What’s the difference between professional liability and E&O?
There isn’t one. Errors and omissions (E&O) is another name for professional liability. Some industries use their own terms, like malpractice for doctors and lawyers. The coverage idea is the same: protection when a client says your professional service cost them money.
Do I need professional liability as a consultant?
Often, yes. Consultants give advice clients rely on, which makes claims of mistakes or missed expectations common. Many client contracts also require it. Even a claim without merit can be expensive to defend, and professional liability pays for that defense.
What does claims-made mean on a professional liability policy?
Most professional liability is claims-made, meaning it covers claims made while the policy is active, for work done after the retroactive date. If you cancel or switch carriers, you may need tail coverage so past work stays covered. Keeping continuous coverage matters.
Does professional liability cover a lawsuit with no merit?
Yes, typically. Professional liability usually pays for your legal defense even when the claim is groundless, and defense is often the biggest cost. Some policies count defense costs against your limit, so check whether yours is inside or outside the limit.

Insurance words, in plain English: errors and omissions

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA