Industry · Professional Services
Agencies, consultancies, tech, and licensed professionals.
When your deliverable is advice, code, or professional judgment, GL doesn't protect you — your E&O and cyber programs do. Most service firms over-buy GL and under-buy the policies that actually respond.
Risk profile
The defining risks for service firms — client disputes, missed deadlines, faulty deliverables, data breaches, and IP claims — all sit outside the General Liability grant. Programs built without distinct E&O and cyber towers leave the company exposed to exactly the claims it's most likely to face.
Top exposures
Errors & omissions
Negligence, mistakes, and breach of professional duty in service delivery.
Client contract disputes
Scope creep, missed milestones, and deliverable disputes turning into legal claims.
Cyber & data privacy
Email compromise, third-party data hosting, and regulatory notification obligations.
Employment practices
NY/NYC plaintiff-friendly labor law: wage-hour, harassment, discrimination claims.
Intellectual property
Copyright, trademark, and IP infringement allegations on creative or technical deliverables.
Independent contractor risk
Misclassification and contractor-as-employee reclassification under NY law.
Core coverage stack
Professional Liability / E&O
→The single most important line for any service firm.
Cyber & Privacy
→Often more material than GL for digital-first practices.
General Liability
→Office premises, vendor work, and third-party COI requirements.
Workers' Compensation
→Statutory plus NY DBL/PFL — frequently mishandled on small teams.
NYC operating notes
NY SHIELD Act mandates breach-notification and reasonable security; cyber forms need to match.
Free or pro-bono advice still creates legal liability — most E&O forms must be endorsed to respond.
License-based professionals (CPA, attorney, architect) need carrier-specific forms reflecting their regulatory exposure.
Agency-client master service agreements often demand $5M E&O — most firms carry $1M and don't realize the gap.
Other industries we serve
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