Professional liability / E&O
Match coverage to the services, contracts, client types and potential financial harm.
Professional services
Protect the office—and the advice, services and data clients rely on.
Professional firms often have lower physical hazards but significant contractual, professional, cyber and reputational exposures.
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.
Cyber liability
Email, cloud platforms and client data create privacy and security exposures.
BOP / property
Office property, computers, improvements and business interruption still matter.
Workers’ compensation
Even office-based employees create workplace injury obligations and exposures.
General liability
Premises and basic third-party liability should not be confused with professional liability.
Before quoting
Information that helps underwriting move faster
- Services and client industries
- Annual revenue and largest accounts
- Contracts and scope of work
- Sensitive data handled
- Remote work and technology stack
- Employee count/payroll
- Prior claims or circumstances
Account rounding
Related coverages to review together
Questions to ask
Common questions
Do professional firms still need general liability?
Often yes. E&O addresses professional-service allegations, while GL addresses different third-party bodily injury/property-damage exposures.
Can one cyber policy fit every professional firm?
No. Data types, contractual requirements, revenue dependency and security controls vary materially by business.
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.