The line that protects firms from claims that their work, advice or deliverable caused a client loss — sized to fee revenue, bound to MSA requirements. Already appointed? Send us the account. New here? Apply for appointment below.
Professional liability (errors & omissions) covers allegations that professional services were negligent, wrong, incomplete or late. It's the defining policy for firms whose product is advice, design or deliverables — where one bad outcome can swallow a year of fees.
This is the textbook E&O claim. Standard GL won't touch a pure economic loss from professional services. Professional liability defends and pays where the allegation is that the work, advice or deliverable was wrong, late or incomplete.
Most B2B engagements over a certain size now require evidence of professional liability — sized to the contract value. We match to markets that will bind the exact limit, retention and additional-insured wording the customer requires.
If what's sold is knowledge, judgement or execution, professional liability is the line that protects for it. The risk doesn't go away because the loss feels abstract — and one bad outcome can swallow a year of fees.
Clients sue the firm that signed the contract, not the freelancer. Professional liability written for an agency or platform model includes vicarious liability for sub-contracted work — but the wording has to be right.
Allegations that the professional services were negligent, wrong, incomplete or late — including failure to deliver to the scope and standard of care.
Legal defence — often outside the limit on better forms — to defend the allegation, whether or not the underlying claim has merit.
Indemnity for amounts payable to the third party — either negotiated settlements or court awards — up to the policy limit.
Cover for the work of 1099s, freelancers and subcontracted firms operating under the engagement — written into the form so the agency model is properly handled.
Those sit with GL. We make sure the two policies line up so a claim doesn't fall in the gap.
Wilful misconduct is excluded everywhere. Honest mistakes and judgement calls are exactly what the policy is for.
Professional liability is claims-made. Anything known about before bind is excluded — which is why the retro date and prior-acts continuity matter so much.
Law firms, accounting firms, consultancies and agencies — sized to fee revenue and bound to MSA requirements.
See the pageTech E&O combined with cyber and contingent BI — bound to client MSAs and priced on actual delivery model.
See the pageA&E professional liability sized to project mix and owner contracts, with tail managed at carrier moves.
See the pageMedical and dental malpractice across specialities, with claims-made and occurrence forms compared properly.
See the pageInvestment advisor E&O on dedicated forms — sized to AUM and regulatory posture, not a generic rate.
See the pageTech E&O and cyber for venture-backed SaaS, AI and fintech — sized to clear enterprise procurement.
See the pageEvery submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
A slow market costs you the account. Matched submissions move straight to underwriting, and you're kept posted, even when the answer is no.
No 40-page form, no repeated questions. Send what you've got and we take it from there.
The same client-fund wire-fraud event can produce a crime claim, a cyber claim and an E&O claim at once. Two real rulings show why the E&O answer isn't automatic.
California AI startup insurance for enterprise deals: separate product and privacy obligations from customer MSA limits, Tech E&O, cyber and D&O.
Cyber insurance does not automatically cover client-fund theft. Professional firms should map cyber, crime, social engineering and E&O wording together.
Apply to become an appointed Nomos Wholesale partner — same-day appetite matching, direct access to E&S and specialty markets.
Get appointedSend us the submission — we'll see what fits. We can worry about the paperwork later.