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Professional Services Insurance in California
Coverage for firms built on their expertise.
✓ Professional liability (E&O)
✓ Cyber & data breach coverage
✓ Same-day certificates for client contracts
Get a professional services quote
Tell us about your business. A licensed advisor will follow up.
No obligation. We’ll only use your information to prepare your quote.
Firms we insure
Own or lease commercial property too? See commercial real estate insurance →
What professional firms ask us for
Professional Liability (E&O)
Covers claims that a mistake, missed deadline, or bad advice cost a client money, including your legal defense.
General Liability
Covers a client or visitor injured at your office, or damage you cause at a client's site.
Business Owner's Policy (BOP)
Bundles general liability with your office equipment, furniture, and business income in one policy, often at a better value than buying each separately.
Cyber Liability
Hacked email, ransomware, or a breach of client records. Helps pay for notifying clients, forensics, and legal costs.
Workers' Compensation
Required in California once you have employees. Covers your staff, from the front desk to the field. Pay-as-you-go options available.
Employment Practices Liability
Covers claims from employees of wrongful termination, discrimination, or harassment.
Want the details on each coverage? See all business insurance coverage →
When a client says your work cost them money
Your reputation is your business.
General liability doesn't cover mistakes in your work. Professional liability does, and the details matter. We walk you through them before you sign.
Claims-made coverage
Most professional liability covers claims made while the policy is active, so keeping it in force matters.
Prior acts
Switching carriers? We protect your retroactive date so past work stays covered.
Tail coverage
Retiring or closing the firm? A tail keeps you covered for claims that come in later.
Hired & non-owned auto
Covers your firm when you or your staff drive personal or rented cars to client meetings.
Surety bonds & risk management
Bonds and contract help, from the same agency
Some professional firms need a surety bond to be licensed or registered in California. Many client contracts spell out exactly which coverage and limits you must carry. We handle both, so nothing slips through the cracks.
See surety bondsTax preparer bonds
The bond California requires to register as a tax preparer.
Employment agency bonds
For staffing and employment agencies that need a bond to operate.
Mortgage lender & servicer bonds
For residential mortgage lenders and servicers that need a bond to be licensed in California.
Contract insurance check
Send us the insurance section of a client contract. We'll compare it with your coverage and tell you what's needed to meet it.
Same-day certificates
Certificates of insurance for new clients and contracts, issued the same day.
Same-day bonds*
Many license and permit bonds can be issued the same day you apply.
*Subject to underwriting review.
Have these ready and we can move fast.
Signing a new client contract? Send it to us before you sign.
- The services you provide, and roughly how much of your revenue comes from each
- Annual revenue, last year and expected this year
- Number of employees and payroll
- Any client contracts that require specific coverage or limits
- Your current policy, including the retroactive date if you have professional liability
- Loss runs for the last 3–5 years, if you have them
Professional services insurance FAQs
What insurance does a professional services firm need in California?
Workers' compensation is required if you have employees. Most firms also carry professional liability (E&O) and general liability, often bundled with property coverage in a business owner's policy. If you store client data, cyber liability is worth a close look.
Is professional liability the same as E&O?
Yes. Errors and omissions (E&O) is another name for professional liability. Some professions call it malpractice insurance. It covers claims that your work or advice caused a client a financial loss.
Doesn't general liability cover mistakes in my work?
No. General liability covers injuries and property damage. A claim that your work or advice cost a client money needs professional liability.
I'm a one-person firm. Do I still need coverage?
Often, yes. A single claim can cost more to defend than a small firm earns in a year, and many clients won't sign a contract without proof of professional liability.
My client wants a certificate of insurance. How fast can I get one?
We issue certificates the same day. Current clients can request one from the Current Clients page.
How much does professional liability insurance cost?
It depends on your profession, revenue, the limits you choose, your claims history, and your contracts. Tell us about your firm. We'll compare options from multiple carriers and recommend the right coverage at a competitive price.
Renewal coming up? Let's compare.
Send us your current policy and we'll check it for gaps before you renew.