Professional services insurance in Spokane

Errors and omissions is the core policy

General liability covers someone getting hurt in your office. It does nothing about a client claiming your work cost them money, which is the claim a professional services firm is actually likely to face. Professional liability is the policy that responds, and it is almost always written claims-made — so the retroactive date on it matters more than the limit.

Contracts drive the limits

Corporate, healthcare and public-sector clients specify E&O limits in the master services agreement, usually late in procurement when there is no time to shop. Having the coverage before you bid is both cheaper and faster.

Cyber, specifically funds transfer

The most common loss in this sector is not a dramatic breach. It is a spoofed email and a payment that goes to the wrong account. Social engineering and funds transfer endorsements are what cover it, and they are not standard on every cyber form.