Professional services
Define exactly what the firm does, who receives the work and what contracts promise.
Professional liability / E&O
Protect against allegations that professional work caused a client financial loss.
General liability and professional liability solve different problems. Firms that advise, design, consult or provide specialized services should review both.
Coverage in context
Build the policy around the operation—not a generic label.
Availability, eligibility, forms, endorsements, limits and pricing vary by carrier and risk. NIS reviews the operational facts first so the submission can be routed to appropriate markets.
Claims-made structure
Many E&O policies are claims-made. Retroactive dates and continuous coverage can be important.
Contract requirements
Client contracts may specify limits, additional terms or evidence of coverage.
Cyber overlap
Technology use, client data and digital services may create separate cyber exposures.
Before quoting
Information that helps underwriting move faster
- Description of professional services
- Years in business and professional qualifications
- Revenue and largest client concentrations
- Contracts and indemnification terms
- Prior claims or circumstances
- Current retroactive date and policy history
Account rounding
Related coverages to review together
Questions to ask
Common questions
Is E&O the same as general liability?
No. General liability commonly addresses bodily injury and property-damage exposures, while E&O addresses allegations tied to professional services, errors or omissions.
Why does the retroactive date matter?
For claims-made coverage, it can determine whether prior professional acts fall within the policy’s coverage timeline, subject to the policy terms.
Business intake
Start an Arizona business insurance review
Tell us how the business operates once. We will use that information to search available markets and validate coverage options. Please allow approximately 24–48 hours for most reviews; complex commercial risks may require additional underwriting time. Detailed underwriting and sensitive documents move to secure agency/carrier workflows after this first step.