Professional services firms get sued for the advice they give as often as for the coffee they spill. General liability handles the slip-and-fall. Professional liability (errors & omissions) is the policy that responds to claims of negligence, missed advice, or a work product that allegedly caused a client financial harm.
Kavana Insurance Inc. helps California and Texas offices — consultants, accountants, architects’ and engineers’ allied firms, IT, marketing, and similar practices — compare a practical package. Licensed California agency, License 6016951. Licensed in Texas.
Coverage this book usually needs
Professional liability / E&O
Claims that your professional service caused a client financial loss. Limits, retroactive dates, and claims-made vs. occurrence terms matter. This is not general liability.
General liability
Third-party injury and property damage at your office or a client site. Often required in leases. See general liability.
Business owners policy
Many offices qualify for a BOP that packages GL and property. Review business owners policy.
Cyber and crime
Client data, wire-fraud social engineering, and ransomware are common office exposures. These are separate products; availability depends on controls and carrier appetite.
Workers’ compensation and auto
If you have employees in California, workers’ compensation is generally required. Employees using personal cars for client visits can create a hired/non-owned auto gap that a personal auto policy does not fill. We will say so if that applies.
Call (916) 545-3202. Kavana Insurance Inc., 915 Highland Point Dr Suite 250, Roseville, CA 95678.