Errors & Omissions

Stable admitted market with strong policy form and a resourceful pre-claims assistance 800 hotline and risk management website. Our exclusive Accountants Professional Liability program is available to CPAs, enrolled agents, general accounting practices, bookkeepers, and tax preparation firms. Limits of professional liability range from $100,000 to $5,000,000. Defense Outside of the Limits and First Dollar Defense coverage are available, plus subpoena assistance and worldwide coverage. We deliver access to a quality Accountants Professional Liability Insurance Program through Aspen American Insurance Company with supplemental coverages for Privacy Breach and Remediation, Non-profit Directors and Officers and Employment Practices defense.

Exclusive admitted carrier access with exceptional underwriting, expert claims assistance, free contract review and risk management tools for architects, civil, electrical, mechanical, HVAC and structural engineers, construction managers, landscape architects, golf course designers, land surveyors, interior designers, and select unlicensed disciplines, technical consultants and scientists. Program underwriters focus on firms with billings up to $10,000,000, but larger considered on an individual risk basis.

Professional liability policies with limits from $100,000 to $5,000,000 are quoted on behalf of Aspen American Insurance Company with interest-free financing plans for qualified firms and a direct bill option. This program offers tailored solutions with contractors’ pollution liability, advertising personal injury, network security, and worldwide coverage. First Dollar Defense, Defense Outside Limits, and Specific Project Excess are available options. In addition, expense reimbursements are offered for crisis events, peer review, and disciplinary proceedings, plus an amended contractual liability exclusion to provide legal fee reimbursement for indemnified parties based on proportional liability.

Offering best-in-class professional program solutions with tailored carrier insolvency coverage, soft hammer clause, disciplinary action, subpoena coverage, loss of earnings, and flexible deductible options for independent retail agents and brokers, wholesale brokers, MGAs, MGUs, and program administrators selling personal lines, property & casualty and/or life, accident & health products. Independent contractors are included in coverage. First and third-party cyber and privacy and security options are available.

Our Agents E&O Program is geared towards small to medium sized agencies generating up to $10M in revenues, with premiums starting as low as $2,500. We have capacity up to $5M primary and can provide access to policy options on both a standard and surplus lines basis with the ability to customize coverage to specific needs. Multiple deductible options are available starting at $2,500 with a deductible credit for claims resolved via mediation – up to 50% as well as premium financing options available. Exclusive proprietary enhancement endorsement included, providing reimbursement for: cancelled conferences, temporary meeting space, emergency web hosting, and workplace violence consulting.

First Dollar Defense, Defense Outside the Limits, and 2x or 3x aggregate deductibles may be available.

With deep expertise in the unique risks that attorneys face and a proven track record of protecting law firms, our LawyerGuard Lawyers Professional Liability program provides coverage designed to help safeguard your clients. Backed by a long-standing relationship with QBE, we offer admitted primary coverage for firms with 1-100 attorneys, spanning both defense and non-defense practice areas. Our expansive appetite enables us to help address the growing malpractice exposures that firms encounter in all states except Alaska and Oregon. With admitted primary coverage, firms can access up to $5,000,000 in claim and aggregate limits.

For firms seeking alternative solutions, we provide surplus lines primary and excess coverage through highly regarded carriers. Firms with 6-100 attorneys can access up to $5,000,000 in claim and aggregate limits, complemented by robust supplementary coverages and a broad definition of legal services. Additionally, our excess program extends up to $5,000,000 per claim and aggregate over our admitted program, enabling firms to purchase a high level of protection.

LawyerGuard is also proud to have an exclusive alliance with DRI, the leading organization for civil defense attorneys and in-house counsel. Through this relationship, we offer a preferred program offering enhanced coverage for defense firms where 51% or more of the practice is dedicated to defense work. Learn more about our surplus lines, excess coverage, or DRI relationship to discover how LawyerGuard can help provide strong protection for your client’s firm.

Ryan Financial Lines team of E&O specialists contains many veteran underwriters with decades of professional lines experience at carriers, managing general agencies, program administrators, and retail agencies. We believe in solving problems meeting our clients’ most unique needs. Our passion for protecting insureds, supporting our retail agents and brokers, and deepening our professional lines knowledge is inexhaustible.