A Digital Division of WCL Bauld

Professional Services
For businesses providing or offering consulting services.



If you provide professional services your basic general liability policy is not sufficient. General liability only responds to Bodily Injury or Property Damage for which you are legally liable to third parties. Professional liability provides protection against causing financial harm for services or advice offered in a professional capacity. A customer can claim you have caused harm even without merit. This could force you into paying out of pocket expeses to defend yourself. Having errors and omissions (E&O) liability coverage built into your policy can help mitigate costs associated with these types of lawsuits.

Below are some examples of professional services that should be protected:

Why do professionals need insurance?

When you make a mistake (Professional Negligence)

We know that you’re very careful and thorough in your work, but you’re human. If you overlook an important detail that results in your client not receiving the agreed upon service, your E&O coverage is designed to protect you from serious financial loss.

When your client says it's your fault (Inaccurate Advice)

If a client claims that the professional advice you offered resulted in damages that led to direct economic losses, you could face a lawsuit for the costs associated with those losses.

When someone missed an important detail (Misrepresentation)

If you or an employee were to present information that your client feels is faulty or misleading. Your client could launch suit. Even if there is no merit to the claim. An E&O policy will respond to legal expenses associated with these claims.

When your laptop is stolen (Loss of Documents/Cyber Risk)

It’s easier to steal a laptop than to hack a database. If a consultant’s laptop is stolen from their vehicle, there could be sensitive material lost and your clients data could be compromised. If due to this breach of information their client suffers harm, the consulting firm could be sued.




Errors & Omissions

Errors and omissions insurance (E&O) is a type of professional liability insurance that protects companies and their workers or individuals against claims made by clients for inadequate work or negligent acts causing financial harm.

Commercial Property Insurance

Insurance that is used to cover any type of commercial property, including equipment you use for your business.

Cyber Insurance

Cyber Insurance protects your business against liability claims arising from data breach or theft of customer data through your computer systems.

Commercial General Liability

Commercial General Liability Insurance coverage is designed to protect you against third party claims of property damage or bodily injury.

Directors & Officers

Directors and Officers Liability Insurance (often called "D&O") is payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.

Media Liability

Media Liability Insurance helps companies defend suits that arise from their gathering and delivery of media such as education, news, commentary, services and entertainment. It protects against claims arising from alledged defamation, invasion of privacy, infringement of copy right and trademarks.