Citadel Insurance Services offers a robust Professional Liability Insurance program through ProfessionalPAC, tailored for a wide range of professional service providers. Whether your client is an accountant, architect, consultant, or engineer, this program is designed to meet the unique exposures of professional industries with aggressive pricing, broad coverage features, and flexible underwriting.
Ideal Accounts and Appetite
Our appetite spans across numerous classes of professional services. This program is an excellent fit for small to mid-sized firms including, but not limited to:
- Accountants and bookkeepers
- Business, HR, and food consultants
- Data processors and IT professionals
- Graphic designers and creative professionals
- Health and safety consultants
- Recruitment, employment, and staffing agencies
- Architects and engineers, including:
- Civil, mechanical, and HVAC engineers
- Hydraulic/fire protection engineers
- Town planning engineers
- Non-structural architects and land surveyors
If you have a client who runs a boutique architectural firm or a fast-growing staffing agency, this program can offer the tailored liability protection they need to manage professional risks effectively.
Coverage Highlights and Advantages
ProfessionalPAC provides comprehensive coverage solutions that address a wide range of professional exposures. Key policy features may include:
- Professional Liability (E&O)
- General Liability (GL)
- Property and Business Interruption
- Full Pollution Liability (where applicable)
This program is structured to provide flexible options on limits, deductibles, and enhancements based on the class of business and risk profile. It's a strong solution for agents seeking both standard and hard-to-place risks in the professional services space.
Underwriting Notes and Minimum Premiums
Limits of liability are available from $1,000,000 up to $10,000,000 depending on the class of business. Deductibles can be as low as $100, and minimum premiums start from $200. Underwriting is class-specific, and we encourage agents to submit complete applications to determine eligibility and pricing.
Territories and Availability
This non-admitted program is available nationwide, including all 50 states and Washington, DC. Citadel Insurance Services operates as a wholesale broker and brings extensive experience in managing non-admitted placements efficiently and compliantly.
Why Work With Citadel Insurance Services?
Citadel Insurance Services is a trusted wholesale broker with deep expertise in professional liability markets. Our team focuses on delivering fast, responsive service and tailored solutions for agents and brokers placing professional service accounts. With a broad appetite and flexible underwriting, we help you find the right fit for your clients—even in complex or specialized professions.
Frequently Asked Questions
What types of accounts are a good fit for this Professional Liability program?
This program targets a wide range of professionals, including consultants, engineers, architects, bookkeepers, data processors, and staffing agencies.
Is this program available in all states?
Yes, the program is available in all 50 states and Washington, DC.
What limits and deductibles are available?
Limits range from $1 million to $10 million, with deductibles starting as low as $100, depending on the class of business.
Is the coverage admitted or non-admitted?
This is a non-admitted program, allowing more flexibility in underwriting and coverage customization.
What makes Citadel Insurance Services a good partner for agents?
Citadel offers broad market access, responsive service, and deep expertise in professional liability, helping agents place both standard and hard-to-place risks.
Need help placing an account? Connect with a market specialist.