General liability handles trips and spills. Professional lines handle the risks that don't leave a physical mark: bad advice, a data breach, a board decision that gets second-guessed, a discrimination complaint. These are placed with specialty carriers on standalone forms — not bundled into a generic BOP — and reviewing the wording matters as much as the price.
Directors & Officers (D&O)
Protects the personal assets of board members, officers, and their spouses when decisions they make on behalf of the organization are challenged — by shareholders, employees, regulators, donors, or competitors. Essential for non-profits, HOAs, boards, and privately-held companies, and typically required before qualified people will agree to serve on your board.
Professional Liability / Errors & Omissions
Covers claims of negligence, mistakes, missed deadlines, or failure to deliver professional services as promised. If your work product, advice, or design is your business — consultants, real-estate agents, IT firms, architects, engineers, accountants, medical and allied-health, non-medical professionals — E&O is not optional. Many client contracts require it.
Cyber Liability
Data breach response, ransomware negotiation and payment, business interruption from downtime, breach notification and credit monitoring, regulatory defense, and social-engineering / wire-fraud loss — coverage built for how modern threats actually happen. If you store customer data, run payroll, or wire money, you need this.
How we shop it
We start with a real conversation about your work, your clients, your data, and the contracts you sign — then market to the carriers who write your class best. We compare policy forms line-by-line, not just premiums, because in professional lines the exclusions are the coverage.
- Directors & Officers (D&O)
- Professional Liability / E&O
- Cyber Liability & breach response
- Employment Practices Liability (EPLI)
- Fiduciary Liability
- Media Liability