When the product is judgment, the exposure is an allegation.
For advisors, agencies, and design and medical practices, the reputation is the balance sheet. We build errors-and-omissions coverage around how you actually engage clients and handle their money and data.
The claim that lands is rarely about a mistake — it is about an allegation, and whether the policy responds to how you were engaged, what you touched, and how the dispute is framed. A firm carrying general liability where it needed E&O finds that out at the worst time.
We place E&O built around your engagement model, management liability for the firm behind the work, and cyber that reflects how much of the practice now lives online.
What we cover
Professional liability / E&O
Built around how you engage clients and handle their money and data — the exposure a general-liability policy doesn't touch.
Management liability (D&O / EPLI)
For the firm behind the work: the decisions leadership makes and the employment claims that follow.
Cyber
Sized to how much of the practice runs online, including the client data you hold.
What goes wrong
GL was carried where E&O was needed
The allegation is about the work itself, and a general-liability policy simply doesn't respond to it.
The policy didn't match the engagement
The claim turns on how you were retained, and coverage written to a generic model leaves the defense uncovered.
Cyber was an afterthought
A data incident on client records outruns a token sublimit that was never sized to the exposure you actually hold.
How it works
Map the engagement
How you contract, bill, and hold client data decides which policy actually responds.
Close the E&O / GL gap
We make sure the allegation you're most likely to face is the one that's covered.
Request a review
Send us your current policies and loss runs. We'll give you an honest read on where you stand — no obligation either way.
Request a risk review