Incorrect advice
A client may allege that a recommendation, analysis, or professional opinion led to a financial loss.
Consultants & other professionals
Coverage for the advice and services clients depend on.
Professional liability guidance for consultants and specialized service businesses whose recommendations, deliverables, or omissions may create financial loss.
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Independent consultants
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Professional-service firms
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Specialized occupations
Common exposures
Even careful professionals can face a claim.
Failure to deliver
Missed deadlines, incomplete work, or deliverables that do not meet expectations can lead to disputes.
Misrepresentation
Claims may arise from alleged inaccuracies about qualifications, services, outcomes, or project status.
Third-party impact
Your work may affect people or businesses beyond the client who signed the contract.
Coverage conversation
Look beyond the premium.
Your complete service description
Coverage depends on accurately describing every professional service and source of revenue.
Client contracts
Insurance requirements, indemnity provisions, and limitations of liability can influence the coverage discussion.
Professional classification
Carrier appetite varies widely. The correct professional classification can make the submission more effective.
Related coverage
General liability, cyber, employment practices, and other policies may be needed alongside professional liability.
A straightforward process
Start with the essentials.
Tell Gagan about your work
Share your profession, practice or business, and renewal timing—without including confidential client or claim details.
Discuss the coverage need
Review the services you provide, current insurance, desired limits, and any timing considerations.
Move to the licensed market
When appropriate and with your permission, the request can be referred to a licensed broker or agency able to pursue coverage options.
Frequently asked questions
Useful answers before you begin.
Who should consider professional liability insurance?
Any business that provides advice, designs, recommendations, analysis, or specialized services may have professional exposure. Client contracts may also require coverage.
What if my profession is not listed?
Select Other Professional in the contact-request form and identify what you do during the follow-up conversation. Market availability depends on the specific occupation and services.
Can one policy cover all of my services?
Possibly, but only services accepted and described in the policy or application should be assumed covered. Every material service should be disclosed during underwriting.