Professional Services Insurance

Insurance for professional service firms

When your business sells expertise, your biggest risk usually isn't a slip-and-fall. It's a client claiming your advice, deliverable, or deadline cost them money. Archer Insurance Agency is an independent agency that helps consultants, agencies, and professional firms build coverage around that risk and meet the insurance requirements in their client contracts.

Who we work with

• Property management and real estate firms

• Management and business consultants

• Accountants, bookkeepers, and tax preparers

• Marketing, advertising, and design agencies

• IT services, software developers, and managed service providers

• Architects and engineers

• Staffing and recruiting firms

Common coverage options

Every firm is different, so there is no one-size-fits-all package. These are coverages professional firms often consider, and we will help you figure out which ones fit your work, your contracts, and your budget.

• Professional liability (E&O): claims of errors, missed deadlines, or advice that caused a client financial loss

• Cyber liability: data breaches, ransomware, and wire-fraud scams targeting firms that handle client data and payments

• General liability: client visits, office injuries, and contracts that require proof of coverage

• Business owner's policy (BOP): bundles general liability with office property and business income coverage

• Workers' compensation: required in most states once you hire employees

Reading client contracts

Large clients often require specific professional liability and cyber limits, additional insured status, and notice of cancellation. Before you sign, send us the insurance section and we'll confirm whether your current policies meet it, or quote what's missing.

FAQs for professional firms

I work from home. Do I still need business insurance?

Yes. Homeowners policies usually exclude business activities, and they don't cover professional mistakes. A professional liability policy, plus a BOP or general liability if clients require it, closes those gaps.

How much professional liability coverage should I carry?

Many firms start at $1 million per claim. The right limit depends on your contract sizes, what your clients require, and the potential financial impact of a mistake.

Can I get professional and cyber liability together?

Yes. Some carriers offer combined technology E&O and cyber policies, which can be a good value for IT and software firms.

Ready for a quote for your firm? Call 865-392-8200 or request a quote. You can also see all of our commercial insurance options.