At Innovative Risk Solutions, we understand the complex liability exposures that professionals face in today’s business environment. That’s why we’re proud to offer a robust Professional Liability Insurance / Errors & Omissions (E&O) program tailored for a wide range of professional service providers. Whether you're working with a consultant, contractor, or real estate professional, we offer the coverage options and underwriting expertise you need to place business with confidence.
Target Classes:
- Miscellaneous Professional Liability
- Administrators
- Billing Agencies
- Collection Agents
- Consultants
- Construction Managers
- Contractors
- Developers
- Employed Lawyers
- Employment/Staffing Agencies
- Home Inspectors
- Land Surveyors
- Loan Servicing
- Marketing Services
- Printers
- Property Management
- Real Estate Agents
- Safety Services
- Social Services
- Testing Labs
- Title Agents
- Travel Agents
- Trustees
- Valuators/Appraisers
…And many more
Excluded Classes:
- Accountants
- Any Franchisors
- Auto Dealerships
- FI
- Investment Advisors/Brokers
- Manufacturing
- Mortgage Bankers/Brokers
Program Overview:
Our E&O and Professional Liability program is designed for professionals who provide advice, design, management, technical, or administrative services. These operations face significant liability risks from allegations of negligence, misrepresentation, or breach of duty. Innovative Risk Solutions provides access to flexible solutions backed by top-rated carriers including Houston International Insurance Group and several others.
Coverage Highlights:
- Broad coverage tailored to professional services
- Available in both admitted and non-admitted forms in select states
- Access to multiple markets for competitive pricing and terms
- Minimum premium starts at $2,500
- Backed by experienced underwriting and responsive service
Territory:
This program is available to agents and brokers in nearly all states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Choose Innovative Risk Solutions?
As a general agency and E&S broker, Innovative Risk Solutions brings deep expertise in niche professional liability markets. Our broad carrier relationships and underwriting insight allow us to tailor solutions for hard-to-place or specialized risks. Whether you're working with a real estate appraiser, a construction project manager, or a staffing agency, we can help you find the right coverage fit.
Example Fits:
You might have a client who operates a multi-state loan servicing operation or a consulting firm advising on workplace safety. These types of accounts can benefit from the tailored protection and flexible terms available through our E&O program.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for professionals such as consultants, real estate agents, collection agencies, staffing firms, and other service providers who face liability exposure from the services they offer.
What is the minimum premium for this E&O program?
The minimum premium for eligible accounts is $2,500, though pricing may vary based on class, size, and risk characteristics.
Are both admitted and non-admitted options available?
Yes, we offer both admitted and non-admitted options depending on the state and risk class.
Which states is this program available in?
This program is available in most states, including CA, TX, FL, NY, and many others. We currently serve nearly all 50 states and DC.
What types of risks are excluded from this program?
We do not write risks such as accountants, auto dealerships, investment advisors/brokers, franchisors, or manufacturing operations under this program.
Need help placing an account? Connect with a market specialist.