Admitted insurers, non-admitted insurers, RRGs, MGAs and MGUs
A retail-agent guide to insurer status, risk retention groups and delegated underwriting. Learn what admitted, non-admitted, RRG, MGA and MGU labels tell you.
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Wholesale appetite: professional liability
Professional liability we place.
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.
The triggers
we hear most.
A client is alleging the firm's advice or deliverable caused them a loss.
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.
A customer or contract is requiring it.
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.
The firm sells advice, design or deliverables — not products.
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.
The account is growing 1099s, fractional roles or subcontracting work.
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.
Inside the
policy.
Negligence, errors and omissions
Allegations that the professional services were negligent, wrong, incomplete or late — including failure to deliver to the scope and standard of care.
Defence costs
Legal defence — often outside the limit on better forms — to defend the allegation, whether or not the underlying claim has merit.
Settlement and judgement
Indemnity for amounts payable to the third party — either negotiated settlements or court awards — up to the policy limit.
Vicarious liability for subcontractors
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.
Where buyers
get caught out.
Bodily injury and property damage
Those sit with GL. We make sure the two policies line up so a claim doesn't fall in the gap.
Intentional or fraudulent acts
Wilful misconduct is excluded everywhere. Honest mistakes and judgement calls are exactly what the policy is for.
Prior known claims and circumstances
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.
Industries we
place this for.
Professional services
Law firms, accounting firms, consultancies and agencies — sized to fee revenue and bound to MSA requirements.
See the pageMSPs & IT services
Tech E&O combined with cyber and contingent BI — bound to client MSAs and priced on actual delivery model.
See the pageArchitects & engineers
A&E professional liability sized to project mix and owner contracts, with tail managed at carrier moves.
See the pageHealthcare practices
Medical and dental malpractice across specialities, with claims-made and occurrence forms compared properly.
See the pageFinancial advisors & RIAs
Investment advisor E&O on dedicated forms — sized to AUM and regulatory posture, not a generic rate.
See the pageTech & AI startups
Tech E&O and cyber for venture-backed SaaS, AI and fintech — sized to clear enterprise procurement.
See the page
How we place
this line.
Appetite matched in-house
Every submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
Every hour risks the client
Suitable accounts move to an underwriter after a licensed broker reviews the match and final file. Carrier response and quote timing depend on the account and market.
Just send the file
No upfront appointment required. Send the file you have and we’ll let you know what it needs next.
More to help place
this account.
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Medical device insurance: product liability and submission checklist
What retail agents should send for medical-device product liability review, including labels, declarations, loss history and the product-specific application.
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E&S Placement Stories
See the placement in practice.
Actual accounts, the challenges retail agents brought us, and how Nomos helped place them.
Browse E&S Placement Stories
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