Consultants · Agencies · Offices
Insurance for professional services firms in the GTA
When your product is advice or expertise, your biggest risk is a client claiming you got it wrong. I combine errors and omissions with office and cyber coverage in one considered program.
Who we insure
- Consultants
- IT firms
- Marketing agencies
- Engineers
- Designers
- Bookkeepers
- Trainers
Coverage for professional services
Professional liability (E&O)
Responds to claims that your advice or service caused a client financial loss.
Commercial general liability
Responds to third-party bodily injury and property damage claims arising from your operations, subject to policy terms.
Office contents
Computers, furniture and equipment at your office or home office.
Cyber liability
Helps with breach response, data restoration and liability if customer information is exposed.
Business interruption
Helps replace lost income and pay ongoing expenses after an insured loss forces you to close temporarily.
Directors and officers
Personal protection for leadership decisions.
FAQ
Questions I hear often
What does errors and omissions insurance cover?
Claims alleging a financial loss from your professional advice or services, including defence costs, subject to the policy.
My contract requires E&O. How much do I need?
We review the contract wording and match limits to its requirements.
Is E&O claims-made?
Usually yes, meaning the policy in force when the claim is made responds, so continuous coverage matters.
I work from home. Do I need business insurance?
Often yes. Home policies typically limit or exclude business property and liability.