When your business sells advice, expertise, or a service — not a physical product — your biggest risks are different, and your coverage should be too.
Service-based businesses tend to carry more liability-focused coverage than product or storefront businesses.
Professional liability (E&O) helps cover claims that your advice, work, or service caused a client a financial loss — something general liability doesn't address.
If you store or access client information, cyber liability helps cover the cost of a data breach or cyber incident.
As service firms grow and hire, employment practices liability helps cover claims like wrongful termination or discrimination.
