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Professional & cyber liability, compared for you.
A missed deadline, a client who says your advice cost them money, or one ransomware email. We compare E&O and cyber coverage across specialty carriers and fit it to your industry and contracts.
✓ Errors & omissions (E&O)
✓ Cyber & data breach
✓ Limits matched to your contracts
★★★★★ 5.0 on Google · Family-run since 1991
THE SHORT VERSION
The basics every professional should know.
01
GL won’t cover your advice
General liability covers injuries and property damage. Claims that your work or advice caused a financial loss need E&O.
02
E&O is usually claims-made
Most policies cover claims made while the policy is active, so keeping coverage continuous protects your past work.
03
Small firms are cyber targets
Phishing and ransomware hit small offices too. Cyber coverage helps pay for breach response, data restoration and lost income.
Coverage we write for professionals
✓ Professional liability / E&O
Claims of mistakes, negligence or missed deadlines.
✓ Legal defense
Attorney costs, even when a claim has no merit.
What affects your price
Industry · Revenue · Services offered · Records you store · Security controls · Claims history · Limits required
✓ Data breach response
Forensics, client notification and credit monitoring.
✓ Ransomware & extortion
Negotiation, recovery and restoring your systems.
✓ Business interruption
Lost income while your systems are down.
✓ Privacy & regulatory
Privacy claims and regulatory actions, where insurable.
★★★★★
“Albert and Chris have helped me tremendously… They also provide a human touch which I appreciate beyond words.”
Andrew L. · Client · Google review
QUESTIONS WE HEAR A LOT
Professional & cyber questions
Doesn’t general liability cover professional mistakes?
No. General liability covers bodily injury and property damage. Financial harm from your work or advice needs E&O.
What does a cyber policy actually pay for?
Breach response, data restoration, ransomware negotiation, lost income and claims from affected clients. We tailor it to your setup.
Is E&O affordable for a solo consultant?
Often, yes. We work with carriers that write small and boutique firms, and compare limits so you don’t overpay.
Do I need both E&O and cyber?
If you give advice and store client data, usually yes. We coordinate both so there are no gaps or overlapping premiums.