Professional Services Business Insurance

We provide the right insurance coverage for professional service businesses. Request an insurance quote today!

Get a Quote

Top Businesses We Insure in the Professional Services Business Insurance

Business Insurance for Professional Services Companies

As an expert consultant or professional business owner, your expertise will help you build a local client base so you can help others with their professional journey. However, the advice you give your customers may on occasion hurt your clients’ business and finances, leaving you vulnerable to claims or legal confrontations. Providing consulting services without business insurance may result in negative consequences for your business.



Business insurance protects you from various types of operational exposures in your professional services company. Buy insurance before you need it, enabling you to focus your energy on growing your professional services firm as opposed to funding losses from your bottom line.

Who is covered under a professional service insurance policy?

Professional insurance company policies can be tailored to accommodate your specific needs. Following occupations are covered by professional services insurance:

  • Accountants
  • Public Relations
  • Home Inspectors
  • Engineer
  • Business Consultants
  • Career Coaches
  • Appraisers
  • Data Scientists
  • Financial Adviser
  • Freelancers
  • Translators
  • Graphic Designers
  • Interior Decorating
  • Advertising Consultant
  • IT Consultants
  • Marketing Consultants
  • Notaries
  • Photography & Videography
  • Podcasters
  • Computer Programmers
  • Software Developer
  • Tutors

Choosing Professional Services Business Insurance

Here are some suggestions to help you find the appropriate coverage for your business.

Protect your company with a Business Owner's Policy (BOP). A Business Owner's Policy is a package policy that serves as an essential insurance product for many types of professional businesses. A BOP includes:

support professional service insurance

  • Business Auto Insurance: On your business auto insurance policy, consider adding liability coverage for hired vehicles and/or non-owned vehicles (employees using their personal vehicles for your business). For example, when your employees use their vehicles to run business errands, if they cause an accident, coverage employers’ non-owned vehicle liability can provide excess coverage over the employee’s auto liability insurance limits.
  • If you rent or lease vehicles for short-term use you can also add coverage to your business auto policy for hired vehicle liability and physical damage. Remember those expensive collision damage waivers the car rental company charges? If you have hired car liability and hired car physical damage on your business auto policy, you don’t need to purchase the coverage from the rental companies.
  • Protect your business from Cyber risks. When you worry about cyber-attacks and data breaches, you are in the company of a lot of other concerned business leaders as this is one of the biggest concerns today. If you think your business is too small to be a target, think again. Typically, the smaller the business the easier its systems are for cybercriminals to get in. Be assured of the safety of your data and those of your clientele with proper security software but prepare for the worst with a Cyber Insurance Policy that can cover both first- and third-party losses.
support professional service insurance

Customize your BOP policy with these add-ons

Inland Marine

If you have expensive laptop computers that are regularly out of the office, for these to be covered, you would need to have coverage for mobile equipment which is provided on an inland marine policy. Any valuable assets that are not at the office are not covered under a commercial property policy; you need mobile equipment coverage.

Employee Dishonesty

Although most BOPs include a low limit for employee dishonesty in their policy, it doesn’t hurt to ask if these limits ($2,500/$5,000) can be increased if your staff regularly handles large amounts of money, credit card transactions, checks, or property. This coverage pays when your employee commits theft, fraud, forgery, or other crimes.

We are a Trusted Service Provider