The service description is incomplete
Coverage follows declared professional activities and policy terms.
Professional liability
When the work itself creates the claim.
Professional liability may address claims alleging errors, omissions, negligence, or failure in professional services.
Why it matters
The policy should reflect the way the risk actually looks.
General liability is not designed for every allegation arising from advice, design, consulting, technology, or other professional work. The services described, contract terms, and timing of claims matter.
Coverage, eligibility, endorsements, limits, and pricing vary by carrier, state, policy language, and individual circumstances.
Common coverage gaps
The risk is often in the details.
Prior work is overlooked
Claims-made policies depend on retroactive dates, reporting, and continuous coverage.
Contract obligations exceed coverage
Indemnification clauses and warranties can create obligations beyond an insurance policy.
What to consider
Questions worth reviewing before a policy is placed.
Complete description of services and client types
Claims-made form, retroactive date, and reporting requirements
Limits, deductible or retention, and defense provisions
Contracts, warranties, and subcontracted work
Cyber, media, general liability, and management-liability overlap
Independent by design
More than one insurance market. One Agency 1 relationship.
Agency 1 is not tied to a single insurance company. Our team helps clients evaluate available coverage options across multiple markets. Carrier availability, eligibility, products, and pricing vary by state and risk.
Questions people ask
Useful answers before you decide.
Ready when you are
Ready for a more informed insurance conversation?
Start with the information you already have. Our team will review the details and follow up.