Expertise. Solution. Service.
MAXIMUM offers a comprehensive Specified Professions Errors & Omissions insurance program tailored to meet the unique risks of a wide range of professional service providers. As a wholesale broker with access to top markets in most states, MAXIMUM is your trusted partner in placing E&O coverage for hard-to-place or niche professional classes. Whether your client is a management consultant, photographer, accountant, or dozens of other professional roles, we provide flexible solutions that respond to their exposures.
Ideal Accounts and Appetite
This program is designed for professionals and small businesses with up to $15 million in revenue. It’s especially well-suited for consultants, creative professionals, service providers, and support roles in a variety of industries. Some popular target classes include:
- Accountants, bookkeepers, and tax preparers
- Graphic designers, photographers, and videographers
- Management, marketing, and HR consultants
- Interpreters, tutors, and educational consultants
- Claims adjusters, insurance risk managers, and inspectors
Classes marked with an asterisk (e.g., caterers, tour operators, landscape architects) are eligible for coverage but not for our preferred package.
Coverage Highlights and Advantages
MAXIMUM provides robust coverage and packaged options to meet diverse client needs:
- Errors & Omissions limits up to $5 million
- General Liability limits of $1M/$3M
- Business personal property up to $250,000
- Business income up to $50,000
- Hired and non-owned auto liability up to $1 million
- Excess GL up to $5 million
We also offer valuable policy enhancements through our ProSecurity+ endorsement, including:
- Coverage for malicious code and unauthorized access
- $50,000 for reputation restoration
- Lifetime occurrence reporting for individual insureds
- Coverage for pro-bono services and independent contractors
- Full prior acts coverage for first-time buyers (most accounts)
- Worldwide coverage for wrongful acts (claims made within the U.S., its territories, or Canada)
- Defense outside the limits, softened hammer clause (75/25), and more
Underwriting Notes and Deductibles
Our underwriting approach is flexible and responsive. Deductibles are competitive:
- E&O deductibles starting at $0
- General liability deductible is $0
- Property deductible starting at $1,000
We do not write accounts involved in licensed legal, medical, or financial fiduciary roles, such as attorneys, medical professionals, title agents, payroll processors, and similar professions. See the full list of ineligible classes above for additional guidance.
Territories and Availability
This program is available in most states, including AL, AZ, CA, FL, IL, NY, TX, and many others. Admitted status is available in most jurisdictions, allowing you to confidently place business across a wide territory.
Why Work With MAXIMUM
As a trusted wholesale broker, MAXIMUM offers deep underwriting expertise, responsive service, and access to top-rated carrier partners. We understand the nuances of professional liability and provide tailored insurance solutions backed by value-added services such as:
- Human resources tools
- Pre-employment and tenant screening access
- Identity theft protection resources
- Marketing tools to support your clients’ businesses
From quoting to binding, we're committed to helping you deliver competitive, comprehensive protection to your clients. Let MAXIMUM be your go-to market for professional liability coverage.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for professional service providers such as consultants, accountants, graphic designers, educational professionals, and small business owners with revenues up to $15 million.
Are there any classes that are not eligible for this coverage?
Yes, we do not write coverage for high-risk or regulated professions such as attorneys, medical professionals, architects, engineers, and title agents, among others.
Can E&O be packaged with other coverages?
Yes, E&O can be packaged with general liability or bundled into a preferred package that includes property and GL coverages for eligible classes.
Is prior acts coverage available for new buyers?
Yes, full prior acts coverage is available for first-time E&O buyers on most accounts, subject to underwriting review.
What states is this program available in?
This program is available in most U.S. states, including California, Texas, Florida, New York, and many others.
Need help placing an account? Connect with a market specialist.