At Raley, Watts & O’Neill, we provide dedicated access to Professional Liability Insurance solutions for a broad range of service-based professionals in Maryland and South Carolina. We understand the exposures advisors, consultants, and fiduciaries face—one alleged error or omission can lead to a costly claim that threatens a professional’s career and personal assets. Our team works with brokers and agents to secure tailored coverage that fits each client’s services, risk profile, and budget.
Ideal Accounts and Appetite
This program is designed for professionals who provide advice, services, or act in a fiduciary capacity. Our appetite includes, but is not limited to:
- Consultants and business advisors
- Accountants and financial advisors
- Attorneys and legal professionals
- Real estate professionals and appraisers
- Architects and engineers
- Technology service providers
- Nonprofit organizations and their directors/officers
We also place Employment Practices Liability Insurance (EPLI) for businesses with employees where wrongful termination, discrimination, or harassment claims may arise. Typical accounts we prefer are firms and individuals with clearly defined services, reasonable revenue levels for their class, and limited or well-explained prior loss activity.
Coverage Highlights and Advantages
Our professional liability solutions are structured to respond to both meritorious and frivolous allegations. Key coverage features commonly available include:
- Defense costs, including legal fees and court expenses
- Coverage for settlements and judgments
- Reimbursement for licensing board complaints and investigations
- Specialized extensions such as EPLI, Technology E&O, and D&O for nonprofits
Example scenarios: you might have a technology consultant whose implementation leads to business interruption claims from a client, or a nonprofit director facing allegation of fiduciary mismanagement—these policies help protect against the legal and financial fallout.
Underwriting Notes and Minimum Premiums
Policies are customized to reflect the client’s profession, scope of services, contract language, and claims history. Underwriting typically requires a completed application, details of services, copies of contracts or engagement letters (when applicable), and loss runs. Minimum premiums vary by class and state; our underwriters can provide competitive options and guide you to appropriate limits and retentions.
Territories and Availability
This program is currently available in Maryland and South Carolina. Coverage is placed on a non-admitted basis to allow greater flexibility for specialized or hard-to-place professional risks that may not fit standard admitted markets.
Why Work With Raley, Watts & O’Neill?
As experienced insurance professionals, Raley, Watts & O’Neill combines focused underwriting knowledge with responsive broker support. We emphasize clear communication, prompt submissions handling, and access to carrier partners that understand professional exposures. Our goal is to help you place accounts accurately and efficiently—protecting your clients while keeping placements marketable.
Professional liability exposures are complex and evolving. Let our team help you match the right form, limits, and endorsements to your client’s specific operations. Need assistance placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for professionals in advisory, consulting, engineering, legal, accounting, technology services, and nonprofit sectors. We also provide coverage options for EPLI and D&O exposures.
Is this coverage available on an admitted basis?
No, this program is placed on a non-admitted basis, which allows us to offer more flexibility for hard-to-place or specialized risks.
Can professionals employed by a firm with malpractice insurance still benefit from individual coverage?
Yes. Individual coverage ensures personal protection, especially if the employer’s policy has limitations or exclusions that may leave the individual exposed.
What territories is this program available in?
This professional liability program is currently available in Maryland and South Carolina.
What documentation is needed to get a quote?
Typically, we require a completed application, details about the professional services offered, claims history, and any existing insurance coverage. Our team will assist you throughout the process.
Need help placing an account? Connect with a market specialist.