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Financial, Legal & Policy

People trust you with their money, livelihood & future

Financial advisors. Claims adjusters. Compliance consultants. Investigators. You analyze, advise, and make calls that move money and shape outcomes. When someone questions those calls, and they will, your professional liability is on the line.

Up to $1M

Professional Liability

1,104

Job Titles Covered

1 day

To Coverage

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L Underwritten by Lloyd’s of London
Important: Professional liability covers financial losses from your professional work — it does not cover bodily injury or property damage. Those require a separate general liability policy.
E&O vs. General Liability – What’s the difference?

From the analyst’s desk to the courtroom floor

Business AnalystAccountantParalegalClaims AdjusterPolicy AnalystAdvisory ConsultantTax PreparerCompliance ConsultantRisk ManagerForensic InvestigatorBookkeeperMediatorActuaryEconomic AnalystDue Diligence Consultant Business AnalystAccountantParalegalClaims AdjusterPolicy AnalystAdvisory ConsultantTax PreparerCompliance ConsultantRisk ManagerForensic InvestigatorBookkeeperMediatorActuaryEconomic AnalystDue Diligence Consultant
CPAArbitratorAviation AnalystInsurance ConsultantDiplomatEnrolled AgentRegulatory ConsultantAccident InvestigatorCredit CounselorImmigration ServicesPayroll ServicesNotarySector AnalystLoss AdjusterAnti-Corruption Consultant CPAArbitratorAviation AnalystInsurance ConsultantDiplomatEnrolled AgentRegulatory ConsultantAccident InvestigatorCredit CounselorImmigration ServicesPayroll ServicesNotarySector AnalystLoss AdjusterAnti-Corruption Consultant
Background InvestigatorFinancial AdvisorHearing OfficerBail Bond AgentReal Estate AppraiserValuation ConsultantWealth ManagerContract AdministratorUnderwriterProperty ManagerFraud InvestigatorFractional CFOPolicy AdvisorSurety AgentMarket Research Analyst Background InvestigatorFinancial AdvisorHearing OfficerBail Bond AgentReal Estate AppraiserValuation ConsultantWealth ManagerContract AdministratorUnderwriterProperty ManagerFraud InvestigatorFractional CFOPolicy AdvisorSurety AgentMarket Research Analyst
Disclaimer:  Any scenarios, examples, or claim descriptions provided on this website are for general informational and illustrative purposes only. They are not intended to represent actual claims outcomes or to guarantee coverage.
Up to $1M
Professional Liability
Advisory errors, investigation claims
$250K
Cyber Liability
Confidential data, client intelligence
$250K
Directors & Officers
Firm principals and managing partners

Your report moved the needle. Now they’re questioning the data.

A due diligence report misses a material risk and a deal closes at the wrong price. A forensic investigation’s findings are challenged in litigation. A sector analyst’s advisory triggers an investment that underperforms. When your analysis shapes decisions worth millions, the gap between your conclusion and the outcome becomes your liability.

Business Analyst

Advisory Consultant

Due Diligence

Forensic Investigator

Sector Analyst

Economic Analyst

Background Investigator

Fraud Investigator

Valuation Consultant

Market Research

Accident Reconstruction

Aviation Analyst

Analysis that misses something material — Professional Liability (E&O) insurance addresses claims when your report, investigation, or advisory overlooks a risk that causes financial loss.

Findings challenged in litigation — coverage for defense costs when your expert report, investigation, or testimony is disputed in legal proceedings.

Client contracts require E&O Insurance — enterprise, law firm, and government clients won’t engage analysts or investigators without proof of coverage.

Up to $1M
Professional Liability
Filing errors, missed deadlines
$250K
Cyber Liability
SSNs, bank data, financial records
$250K
Fiduciary Liability
Financial advisors and plan managers

A decimal point in the wrong place is a six-figure claim.

A tax preparer misses a deduction and a client gets audited. A bookkeeper’s error overstates revenue and a loan gets called. A financial advisor’s recommendation underperforms and the client alleges negligence. Accounting and financial professionals handle other people’s money — and every number has a consequence.

Accountant / CPA

Tax Preparer

Bookkeeper

Enrolled Agent

Financial Advisor

Wealth Manager

Fractional CFO

Payroll Services

Auditor

Investment Advisor

Retirement Planner

Budget Analyst

Filing errors and missed deadlines — E&O exists to address issues arising from when your tax work, bookkeeping, or financial reporting that lead to client’ penalties or financial loss.

Client data is existential — $250K cyber liability for SSNs, bank accounts, and financial records. Tax and accounting firms are top breach targets.

Fiduciary duty is personal — E&O coverage for allegations of mismanagement for retirement plans, investments, and client portfolios.

Up to $1M
Professional Liability
Compliance errors, policy claims
$25K
Third-Party Discrimination
Client-facing neutrality claims
$250K
Cyber Liability
Privileged documents and case files

Your compliance advice failed to prevent the violation.

A paralegal’s research misses a key precedent. A compliance consultant’s framework doesn’t prevent an OSHA citation. A mediator is accused of bias. A policy advisor’s recommendation creates unintended consequences. Legal-adjacent professionals navigate regulations that carry real penalties — and when guidance falls short, the professional who gave it is first in line.

Paralegal

Compliance Consultant

Mediator

Arbitrator

Regulatory Consultant

Hearing Officer

Contract Administrator

Policy Advisor

Diplomat

Immigration Services

Notary

Advocacy Services

Compliance advice that doesn’t prevent violations — E&O insurance can address claims when your regulatory guidance or policy recommendation fails to avert the outcome it proposed.

Contract and review errors — coverage when your contract review, legal research, or documentation misses something material that leads a client to believe they’ve suffered a financial loss.

Firms and attorneys require E&O — law firms, government agencies, and corporate clients require proof of professional liability before engaging.

Up to $1M
Professional Liability
Claims handling, underwriting errors
$250K
Fiduciary Liability
Client funds and coverage advice
$25K
Crime & Dishonesty
Premium handling and trust accounts

You assess other people’s risk. Who assesses yours?

A claims adjuster’s settlement is challenged as inadequate. An insurance consultant recommends coverage to their client that leaves a gap. A credit counselor’s advice allegedly leads to a default. An underwriter’s risk assessment is alleged to be wrong and a policy pays out when it shouldn’t. Insurance and risk professionals live in the liability business, and somehow forget to cover themselves.

Claims Adjuster

Insurance Consultant

Risk Manager

Loss Adjuster

Actuary

Underwriter

Credit Counselor

Debt Consultant

Bail Bond Agent

Surety Agent

Collections Specialist

Benefits Investigator

Claims handling and settlement disputes — E&O covers when a policyholder or claimant alleges your adjustment, assessment, or settlement was inadequate.

Coverage advice that leaves gaps — coverage when your recommendation or risk assessment fails to protect the client adequately.

Carriers and agencies require personal E&O — independent adjusters, consultants, and agents need their own coverage beyond any employer policy.

Don’t see your job title? We probably cover it.

With 1,104 job titles in this category, we cover financial services professionals most insurers wouldn’t know how to classify. Here’s a sample.

Real Estate Appraiser

Property Manager

Mortgage Broker

Title Agent

HOA Manager

Escrow Officer

Jewelry Appraiser

Art Appraiser

Business Broker

Association Manager

Grant Writer

Chamber of Commerce

Campaign Services

Attaché Services

Process Server

Bursar

Night Auditor

Stenographer

Asset Search

Bio-Security

X-Pat Consultant

Budget Review

Certified Planner

Acquisition Manager

Fund Administrator

Trading Analyst

Gumologist

Business Karma Therapist

Can’t find your title? Get a quote online, and we’ll confirm your coverage instantly.

30 protections, one price

Every financial professional gets the same comprehensive coverage. No add-ons, no à la carte.

We’re showing the protections that matter most in your field, but all 30 are built into every policy. View all 30 coverages explained

All-in starting at
$35 / mo
Cyber Liability
$250,000
Fiduciary Liability
$250,000
Directors & Officers
$250,000
Crime & Dishonesty
$25,000
Third-Party Discrimination
$25,000 aggregate
Employment Practices
$25,000
Copyright & Trademark
Unintended infringement
Image Restoration
$10,000
HIPAA/HITECH Fines
$25,000
Identity Theft
$5,000
Emergency Services
Built in
All coverages included in every policy — no add-ons, no upsells

Your advice moves money.
Make sure you’re covered when it moves wrong.

1,104 financial, legal, and policy job titles covered. 30 protections. Next-day coverage. One flat price. Backed by Lloyd’s of London.