Coverage for professional services that's actuallyclearadvice-readyyoursfairclear
Consultants, agencies, and office-based firms get paid for their judgment, and one alleged miss can become a claim. We pair errors and omissions with the base coverage and shop 20+ carriers.
What professional firms carry.
The lines advice-based businesses need, and the one that defines them.
| Coverage | What it covers | Good to know |
|---|---|---|
| Professional liability (E&O) | Claims your advice or work caused a loss | The core coverage for paid expertise |
| General liability | Slips, falls, and visitor injury | Required by most office leases |
| Cyber liability | A breach of client data you hold | Pairs naturally with E&O |
| Business personal property | Office equipment and furnishings | Easy to under-schedule |
| Employment practices | Claims from your own employees | Rises as the team grows |
| Workers' compensation | Injury to staff, even in an office | Required once you have employees |
E&O is claims-made, so the retroactive date matters as much as the limit. We protect it when you switch carriers.
Paid for your expertise? Send us your E&O and we will read the retroactive date, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Professional services coverage, answered.
The questions firms ask first.
If clients pay for your judgment, advice, or work product, yes. A general liability policy covers physical injury, not financial harm from a professional mistake. E&O is the coverage that responds to the claims your work could create.
If you hold client data, almost certainly. A breach brings notification, recovery, and sometimes lawsuits. Cyber and E&O together cover both the work and the data behind it.
On a claims-made E&O policy, it sets how far back covered work reaches. Lose it when switching carriers and years of past work go uncovered. We carry it forward so that does not happen.
Most quotes are back within 48 business hours once we have your application. We reply to any question within 2 business hours.
Ready when you are