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INDUSTRIES · PROFESSIONAL SERVICES

Protect the advice you sell.

E&O, cyber, and benefits for firms whose product is expertise.

Get the professional services packageCoverage finder
THE PROFESSIONAL SERVICES STACK

What companies like yours usually carry.

Limits shown are common minimums, not advice.
E&O / professionalClient claims about your work$1M–$2MREQUIREDCyber liabilityClient data and funds-transfer fraud$1MRECOMMENDEDBOP / general liabilityOffice property and visitor liability$1M / $2MRECOMMENDEDMedical, dental, visionCompete for talent with strong benefits—RECOMMENDEDDirectors + officersInvestor or partner disputes$1MCONSIDER
  1. 01
    Contract-ready limits
    Meet client MSA requirements fast.
  2. 02
    Cyber + E&O bundle
    One carrier, no coverage gaps.
  3. 03
    Remote-team benefits
    National networks for distributed staff.

TOP RISKS WE PLAN FOR

  1. 01Professional errors. Client claims about your advice or deliverables.
  2. 02Funds-transfer fraud. Phishing and payment fraud target professional firms.
  3. 03Talent competition. Benefits are central to hiring.

PROFESSIONAL SERVICES QUESTIONS

Do clients require E&O?
Often. We place limits that match your MSAs.
Should cyber and E&O be bundled?
Frequently, to avoid gaps between the two.
YOUR PROGRAM AT A GLANCE

Every line a professional services company typically needs, on one application.

FINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your servicesFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liabilityPROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claims

HOW IT WORKS FOR PROFESSIONAL SERVICES

  1. 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
  2. 02Market to carriers. We submit to carriers that actively write professional services risks.
  3. 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
  4. 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.

WHAT WE'LL NEED TO QUOTE YOU

APPLICATIONS
  • ACORD 125
  • Carrier supplement
  • ACORD 126
  • ACORD 140
  • Employee census + group application
DOCUMENTS
  • Description of services
  • Sample client contract
  • Prior claims, if any
  • Security controls questionnaire
  • Revenue and record counts
  • Revenue and operations description
  • Statement of values by location
  • Loss runs, 3–5 years

AFTER YOU BUY

  • Certificates on demand
    Issue COIs with additional insureds from your dashboard.
  • Claims advocacy
    Your advisor works the claim with the carrier.
  • Audits without surprises
    Payroll-based premiums reconcile as you go.
  • Renewal planning
    Options on the table 60 days before renewal.

WORTH CONSIDERING

EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and drivers
TOOLCoverage finderCheck required lines for your states.TOOLSavings calculatorEstimate first-year value.GUIDELeaving a PEOOwn your plans and policies.WORKLIO HCMPayroll for professional servicesIndustry pay rules, on one platform.
  • $35+ Billion
    PAYROLL AND TAXES PAID
  • 23+ Million
    ACH TRANSACTIONS
  • 4.3+ Million
    W-2S / 1099S PROCESSED
  • 2.8+ Million
    EMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
OTHER INDUSTRIESSenior careHealthcareBehavioral healthDental + veterinary groupsManufacturingConstructionAuto dealer groupsFranchise groupsStaffingFacility servicesLogisticsRestaurantsHotelsEducation + childcareNonprofits

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