It responds when a client says your professional work caused them financial loss — and it pays the lawyers either way.
Allegations that your work fell below professional standards and caused financial loss.
Mistakes and oversights in delivered work, however careful the process.
Allegations that advice or statements misled a client.
From the first demand letter onward — usually the largest component.
Costs of responding to a licensing board, where the policy extends to it.
Variants written for lawyers, medical practices, accountants and media businesses.
If clients pay for your judgement, a single disputed engagement can cost more than a year of profit.
Advice is the product — and disputed advice is a claim.
A missed filing or misread number carries someone else's money with it.
Malpractice cover is a bar requirement in some states and a client requirement in most engagements.
Patient claims meet regulatory exposure — industry forms handle both.
Defamation and copyright allegations follow published work.
Client agreements increasingly set professional liability minimums before work begins.
The retroactive date is the quiet trap in this line — switch carriers carelessly and years of past work can silently lose cover. We check continuity on every placement.
Yes — two names for the same cover. Malpractice is the same policy again, written for medical and legal work.
General liability covers bodily injury and property damage. Professional liability covers financial loss from your professional work — the exposure GL explicitly excludes.
A limitation of liability clause does not stop a client from suing, and defence costs arrive regardless of merit.
The date your covered work history starts. Preserve it when switching carriers or years of past work lose cover.
Carriers set the premium, not us. Pricing runs on revenue, profession, contract sizes, claims history and limits. We shop your risk to A-rated markets — quotes are free, no obligation, and a licensed specialist reviews your request.
One million per claim is the common floor in client agreements — find the highest requirement across your active contracts and start there.
Only where the policy is written to include work performed on your behalf — a point we check on every quote.
A licensed specialist reviews your request and walks you through real options, with the certificate issued once cover is bound.
