💼 Protect Your Reputation—and Your Data
Protection for the Mistakes You Didn’t See Coming—Online or Off
In today's litigious and digital world, even the best-run businesses face risk. Whether it's a client alleging negligence, or a hacker locking down your systems, AEC Insurance Services helps protect your business from costly claims that could damage your reputation—or shut you down entirely.
We’ll explain your options in plain English, compare top carriers, and build a policy that’s right for your risk profile and industry.
⚖️ Professional Liability (E&O Insurance)
Errors & Omissions coverage protects professionals and businesses from claims of:
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Negligence or failure to perform services
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Misrepresentation or mistakes in advice
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Missed deadlines or undelivered work
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Breach of contract or confidentiality
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Damages from professional oversight
Who needs it?
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Consultants
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Real estate agents & brokers
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Financial advisors
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Designers & developers
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Healthcare professionals
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Engineers & architects
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Any business offering specialized advice or services
Even if you did nothing wrong, legal defense costs alone can be devastating. E&O gives you a financial safety net.
🖥️ Cyber Liability Insurance
Cyber insurance protects your business from the impact of digital threats, including:
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Data breaches and ransomware
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Hacking, phishing, and malware attacks
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Regulatory fines (HIPAA, GDPR, etc.)
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Legal defense from third-party claims
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Costs to notify clients and restore data
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Business interruption from cyber events
Who needs it?
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Anyone storing customer data—especially payment, health, or personal info
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Online retailers, SaaS providers, and tech firms
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Healthcare, legal, and financial professionals
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Small businesses using cloud-based or connected systems
Even one cyberattack can result in six figures in damages. We’ll help you protect your business before that happens.
🔄 How They Work Together
Many businesses need both policies. For example:
A financial advisor gets sued for poor investment advice (E&O), and separately has client information stolen in a phishing attack (Cyber).
We ensure your policies work in tandem to cover all angles of risk, without gaps or overlapping premiums.
💡 Common Questions
Does my general liability cover professional mistakes?
No. General liability protects against bodily injury and property damage—not errors in service or advice. E&O is a separate, specialized policy.
What’s included in a typical cyber policy?
Cyber policies can include data breach response, ransomware negotiation, business interruption, regulatory fines, and more. We’ll tailor it to your setup.
What if I’m a solo consultant or small business?
E&O and Cyber coverage is more affordable than you think—and often essential. We work with carriers that specialize in boutique, independent operations.
📞 Let’s Review Your Risk
Don’t leave your business exposed to preventable risks. Let’s have a conversation about your coverage, your exposures, and the smart steps you can take.
Call: 805-328-5001
Email: info@aecriskmanagement.com