Professional liability, general liability, cyber coverage and employee benefits for California law firms, accounting practices, consultancies and agencies.
Health, dental, vision, life and disability plans that help you compete for top professional talent in California’s tight labor market.
Covers claims that your advice, design, report or service caused a client financial loss — a missed filing deadline, an audit error, flawed consulting guidance or a campaign that underperformed a guaranteed metric.
Covers bodily injury and property damage at your office, a client’s site or an event. Often bundled into a BOP with property coverage for smaller firms.
Covers data-breach response costs, regulatory fines, network-security failures and third-party lawsuits. Critical for any firm that handles client financial data, legal records or personal information.
Defends against wrongful-termination, discrimination, harassment and wage-and-hour claims from current, former or prospective employees. California’s employment laws make EPLI especially important.
Extra liability limits above your GL, auto and employer’s liability. Large client contracts often require $5 M or $10 M in total coverage.
Health, dental, vision, life and disability plans that help you compete for top professional talent in California’s tight labor market.
Enterprise clients, government agencies and regulatory bodies will each ask for proof of coverage before you begin an engagement. Common requests include an E&O certificate with limits matching the contract, GL naming the client as additional insured, and evidence of cyber coverage when you’ll handle sensitive data. We issue same-day certificates and add endorsements mid-term.
Every carrier rates professional-services risk differently. These are the factors that come up most often.
Every carrier rates professional-services risk differently. These are the factors that come up most often.
Past E&O and employment-practices claims and how they were resolved.
A single piece of flawed advice can cost a client millions — and your firm its reputation. Accountants face malpractice claims from audit errors; attorneys from missed statutes of limitations; consultants from strategies that failed to deliver. California’s competitive employment market adds wage-and-hour, discrimination and wrongful-termination exposure. And every firm that stores client data faces growing cyber risk as threat actors target professional-services networks for the financial and legal records they hold.
Professional liability (E&O)
Claims-made coverage that responds when a client alleges your professional services caused them a financial loss. It pays defense costs from dollar one on most forms and covers settlements or judgments. The retroactive date is critical: it determines how far back coverage reaches. Switching carriers without maintaining the retro date creates a gap for prior work.
Cyber liability
First-party coverage pays for forensic investigation, breach notification, credit monitoring and business-income loss during a network outage. Third-party coverage defends lawsuits from affected clients. For firms handling financial records, health information or legal documents, cyber coverage is no longer optional.
Employment practices liability
California leads the nation in employment-related lawsuits. EPLI covers defense costs and damages for wrongful termination, discrimination, harassment, retaliation and wage-and-hour disputes. Even a firm with strong HR practices faces exposure from former employees.
Professional licensing requirements. Attorneys, CPAs, architects, engineers and many other professionals must maintain active California licenses. Some licensing boards require minimum malpractice insurance limits as a condition of licensure or recommend it as best practice.
Workers’ compensation. Required for every California employer, even if your entire team is salaried professionals working from home. Remote workers are still covered for injuries that arise out of and in the course of employment.
CCPA / CPRA. If your firm stores personal data of California consumers — client lists, employee records, patient information — you’re subject to privacy regulations that create both regulatory and civil exposure.
E&O premiums are typically rated on annual revenue or billings, number of professionals, practice area and claims history. Firms with higher-risk specialties (M&A advisory, securities law, structural engineering) pay more than general-practice firms at the same revenue level. At renewal, carriers review your revenue against the estimate on the application, so accurate projections avoid audit adjustments.
Before signing an engagement letter, larger clients will ask for certificates showing E&O limits (often $2 M–$10 M depending on the engagement size), GL, and often cyber coverage. They may require additional-insured status on your GL. Government agencies add their own requirements. We keep your policy details on file and issue certificates the same day.
We’re an independent California broker that works with carriers who understand professional-services risk. We benchmark your E&O limits against firms at your stage and in your practice area, negotiate favorable retroactive dates when you switch carriers, and handle certificate requests so an engagement never stalls on insurance paperwork.
A single piece of flawed advice can cost a client millions — and your firm its reputation. Accountants face malpractice claims from audit errors; attorneys from missed statutes of limitations; consultants from strategies that failed to deliver. California’s competitive employment market adds wage-and-hour, discrimination and wrongful-termination exposure. And every firm that stores client data faces growing cyber risk as threat actors target professional-services networks for the financial and legal records they hold.
Professional liability (E&O)
Claims-made coverage that responds when a client alleges your professional services caused them a financial loss. It pays defense costs from dollar one on most forms and covers settlements or judgments. The retroactive date is critical: it determines how far back coverage reaches. Switching carriers without maintaining the retro date creates a gap for prior work.
Cyber liability
First-party coverage pays for forensic investigation, breach notification, credit monitoring and business-income loss during a network outage. Third-party coverage defends lawsuits from affected clients. For firms handling financial records, health information or legal documents, cyber coverage is no longer optional.
Employment practices liability
California leads the nation in employment-related lawsuits. EPLI covers defense costs and damages for wrongful termination, discrimination, harassment, retaliation and wage-and-hour disputes. Even a firm with strong HR practices faces exposure from former employees.
Professional licensing requirements. Attorneys, CPAs, architects, engineers and many other professionals must maintain active California licenses. Some licensing boards require minimum malpractice insurance limits as a condition of licensure or recommend it as best practice.
Workers’ compensation. Required for every California employer, even if your entire team is salaried professionals working from home. Remote workers are still covered for injuries that arise out of and in the course of employment.
CCPA / CPRA. If your firm stores personal data of California consumers — client lists, employee records, patient information — you’re subject to privacy regulations that create both regulatory and civil exposure.
E&O premiums are typically rated on annual revenue or billings, number of professionals, practice area and claims history. Firms with higher-risk specialties (M&A advisory, securities law, structural engineering) pay more than general-practice firms at the same revenue level. At renewal, carriers review your revenue against the estimate on the application, so accurate projections avoid audit adjustments.
Before signing an engagement letter, larger clients will ask for certificates showing E&O limits (often $2 M–$10 M depending on the engagement size), GL, and often cyber coverage. They may require additional-insured status on your GL. Government agencies add their own requirements. We keep your policy details on file and issue certificates the same day.
We’re an independent California broker that works with carriers who understand professional-services risk. We benchmark your E&O limits against firms at your stage and in your practice area, negotiate favorable retroactive dates when you switch carriers, and handle certificate requests so an engagement never stalls on insurance paperwork.
Send us the requirements from your contract, lease or credentialing packet, including the certificate holder, additional insured and waiver of subrogation, so we can review your request.
What’s the difference between E&O and malpractice insurance?
They’re the same coverage under different names. “Malpractice” is typically used for licensed professions (attorneys, CPAs, physicians) while “E&O” is the broader term used across consulting, technology and financial services.
Do I need E&O if I’m a sole practitioner?
Yes. A single claim can exceed your personal assets. E&O covers defense costs, which alone can reach six figures even for a meritless claim. Many client contracts require it regardless of firm size.
What are tail and nose coverage?
Tail coverage (extended reporting period) lets you report claims after a claims-made policy ends. Nose coverage (prior-acts coverage) from a new carrier covers work done before the new policy’s start date. One or the other is needed when switching carriers to avoid a gap.
Does my E&O cover subcontractors or freelancers?
Usually not, unless they’re specifically scheduled on your policy. If you subcontract work, require your subs to carry their own E&O and name you as additional insured.
Can I get coverage for regulatory proceedings?
Many E&O policies cover defense costs for regulatory investigations and disciplinary proceedings related to your professional services. Check whether your policy includes this or whether it needs to be endorsed.
What is a consent-to-settle clause?
It gives you the right to approve or reject a settlement the carrier proposes. Without it, the carrier can settle a claim without your agreement — which may matter for reputational reasons even if the financial outcome is the same.
How much E&O coverage do I need?
It depends on your practice area, revenue, typical engagement size and contract requirements. A small consulting firm might start at $1 M; a mid-size accounting practice or law firm often needs $5 M–$10 M. We benchmark against comparable firms.
Does workers’ comp cover remote employees?
Yes. California workers’ comp applies to injuries that arise out of and in the course of employment, regardless of where the employee works. A home-office ergonomic injury is a covered claim.
How quickly can I get a quote?
For most professional-services firms we can return quotes within two to three business days. Complex risks — large firms, specialized practice areas, prior claims — may take a week.
What’s the difference between E&O and malpractice insurance?
They’re the same coverage under different names. “Malpractice” is typically used for licensed professions (attorneys, CPAs, physicians) while “E&O” is the broader term used across consulting, technology and financial services.
Do I need E&O if I’m a sole practitioner?
Yes. A single claim can exceed your personal assets. E&O covers defense costs, which alone can reach six figures even for a meritless claim. Many client contracts require it regardless of firm size.
What are tail and nose coverage?
Tail coverage (extended reporting period) lets you report claims after a claims-made policy ends. Nose coverage (prior-acts coverage) from a new carrier covers work done before the new policy’s start date. One or the other is needed when switching carriers to avoid a gap.
Does my E&O cover subcontractors or freelancers?
Usually not, unless they’re specifically scheduled on your policy. If you subcontract work, require your subs to carry their own E&O and name you as additional insured.
Can I get coverage for regulatory proceedings?
Many E&O policies cover defense costs for regulatory investigations and disciplinary proceedings related to your professional services. Check whether your policy includes this or whether it needs to be endorsed.
What is a consent-to-settle clause?
It gives you the right to approve or reject a settlement the carrier proposes. Without it, the carrier can settle a claim without your agreement — which may matter for reputational reasons even if the financial outcome is the same.
How much E&O coverage do I need?
It depends on your practice area, revenue, typical engagement size and contract requirements. A small consulting firm might start at $1 M; a mid-size accounting practice or law firm often needs $5 M–$10 M. We benchmark against comparable firms.
Does workers’ comp cover remote employees?
Yes. California workers’ comp applies to injuries that arise out of and in the course of employment, regardless of where the employee works. A home-office ergonomic injury is a covered claim.
How quickly can I get a quote?
For most professional-services firms we can return quotes within two to three business days. Complex risks — large firms, specialized practice areas, prior claims — may take a week.
Tell us about your firm — your practice area, headcount and current coverage. We’ll compare options from carriers that specialize in professional-services risk and send you a proposal.
Tell us a little about your business. A licensed broker will follow up.
Tell us a little about your business. A licensed broker will follow up.
