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Professional Liability for Small Business Consultants Capitol Special Risks offers a focused Small Business Consultants Professional Liability Insurance program built for the exposures consultants face today. Vicarious-liability claims and contract disputes are rising; even careful consultants can be named in suits alleging negligent advice. This program helps you place professional liability protection for small consulting firms so your clients can operate with greater confidence. Ideal Accounts and Risk Appetite This program is intended for independent consultants and small consulting businesses with $1,000,000 or less in gross annual revenue. It targets a broad range of professional consultants, including: Marketing and public relations consultants Management and business strategy consultants HR, organizational development, and talent consultants IT and software consultants (advisory services; non-product vendors) Training, learning, and education consultants Not eligible: This program excludes higher-risk professions such as attorneys, CPAs, real estate consultants, investment/financial advisors, safety consultants, and medical or engineering consultants. Coverage Highlights and Optional Enhancements Capitol Special Risks places a robust core professional-liability form with several optional enhancements commonly requested by your clients: Automatic Additional Insured (A/I) status Contingent Bodily Injury/Property Damage sublimit of $250,000 Defense costs outside the limits (capped at the aggregate policy limit) HIPAA/HITECH breach sublimit of $250,000 50/50 cooperation clause Third-party discrimination coverage Punitive damages coverage where insurable by law Independent contractor coverage These features are designed to protect consultants from the financial fallout of claims tied to advice, professional services, or third-party exposures — including situations where the insured is alleged to have done nothing wrong. Underwriting Considerations and Minimum Premiums The program favors accounts with straightforward or moderate risk profiles. To be eligible, accounts must report $1,000,000 or less in annual revenue. Underwriting evaluates factors such as the consultant’s service lines, contract language, claim history, use of subcontractors, and whether they provide any insured products or financial advice. Minimum premiums vary by risk characteristics and the optional coverages selected. Capitol Special Risks aims for quick underwriting decisions and transparent terms to help you place business efficiently. Available States and Admitted Status This program is available in most states, including CA, TX, FL, NY, IL, GA, and 40+ others. Coverage can be placed on admitted or non-admitted paper depending on state and carrier availability. Why Work With Capitol Special Risks? As a wholesale broker, Capitol Special Risks combines market access with deep E&O and professional-liability experience. Their underwriters understand consulting exposures and work with multiple carriers to deliver competitive solutions. Key service advantages include fast turnaround times and no broker fees, helping you serve clients quickly and keep placement costs competitive. Example accounts that typically fit: a solo HR consultant who provides policy and training guidance to local employers, or a boutique marketing firm that advises clients on campaigns and media strategy. Both have limited revenue, clear scope of services, and need primary professional-liability protection without carrier restrictions tied to higher-risk classes. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service – CA Fire & Casualty Agency – #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?Independent consultants and small consulting firms with less than $1,000,000 in gross annual revenue — such as marketing, HR, IT (advisory), and management consultants — are ideal candidates for this program. Are there any professional classes that are not eligible?Yes. The program excludes higher-risk professionals including attorneys, CPAs, real estate consultants, investment advisors, safety consultants, and medical or engineering consultants. What optional coverages are available?Optional enhancements include Additional Insured status, HIPAA/HITECH breach sublimits, third-party discrimination, contingent BI/PD, punitive damages where insurable, and independent contractor coverage. Is this program available in all states?No, but it is available in most states, including CA, TX, FL, NY, and others. Admitted versus non-admitted paper depends on state and carrier options. What is the typical turnaround time for quotes?Capitol Special Risks offers fast turnaround and does not charge broker fees, enabling you to place accounts quickly and cost-effectively. Need help placing an account? Connect with a market specialist.

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Privacy/Cyber Liability Insurance is a crucial solution designed to help address the growing risks associated with data breaches, cyberattacks, and unintentional disclosure of private information. Capitol Special Risks offers brokers and agents access to specialized Privacy/Cyber Liability markets to protect clients across a wide range of industries. Overview of the Program from Capitol Special Risks Capitol Special Risks is a wholesale broker with strong expertise in hard-to-place and emerging liability exposures. Our Privacy/Cyber Liability Insurance program is built for today’s digital environment, where even a simple employee error or accidental data leak can result in significant financial and reputational damage. We work with multiple carriers to offer non-admitted coverage that helps your clients respond to cyber events swiftly and effectively. Ideal Accounts and Appetite This program is well-suited for: Healthcare providers and medical billing companies Insurance agents, brokers, and TPAs Retailers, product vendors, and e-commerce businesses Financial services providers and professional firms You might have a client who runs a healthcare practice and stores patient information electronically. One misdirected email or ransomware attack can trigger a costly response—this program helps them manage those risks. Coverage Highlights and Advantages Our Privacy/Cyber Liability policies are designed to fill critical gaps left by general liability and professional liability coverage. Key policy features may include: Privacy and network security liability Media and website liability Notification costs and credit monitoring services Corporate identity theft protection Network extortion (ransomware) Regulatory defense and penalties Forensic investigation expenses Business interruption due to cyber incidents Public relations/crisis management coverage Rogue employee coverage (fraud and dishonesty) These policies not only help clients meet regulatory requirements but also assist in managing post-breach costs and recovery efforts. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the risk profile and desired limits. Our team works with you to find the right market fit and expedite the quoting process—often with fast turnaround and no broker fees. Territories and Availability Our Privacy/Cyber Liability Insurance program is available in all 50 states, including DC. No matter where your client is located, we can help you find a competitive solution. Why Work with Capitol Special Risks? With decades of experience in specialty liability lines, Capitol Special Risks is a trusted partner for cyber and privacy exposures. We’ve done the market research to bring you access to top carriers offering tailored cyber solutions. Whether your client is a small business or a growing enterprise, we can help you deliver the right protection quickly and efficiently. Contact us today to discuss your clients’ cyber liability needs. Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for healthcare practices, insurance agencies, billing companies, e-commerce businesses, and any organization that stores or processes sensitive data. Is this coverage available nationwide?Yes, the Privacy/Cyber Liability Insurance program from Capitol Special Risks is available in all 50 states and the District of Columbia. What is the minimum premium for this program?Minimum premiums vary depending on the applicant’s size, industry, and risk profile. Our team will help you find the most competitive option available. Does the policy cover costs related to data breach notifications?Yes, coverage typically includes notification expenses, credit monitoring services, and associated public relations support. Are accidental disclosures covered, or only malicious attacks?The policies are designed to respond to both malicious cyberattacks and accidental disclosures, which are among the most common causes of claims. Need help placing an account? Connect with a market specialist.

Capitol Special Risks specializes in Lawyers Professional Liability Insurance, offering brokers and agents tailored solutions for legal professionals across firm sizes and practice areas. Whether your client is a solo practitioner or a multi-state law firm, we provide access to competitive markets and comprehensive coverage options designed to address the unique exposures attorneys face. Ideal Accounts and Appetite Our program is designed for a wide range of legal professionals, including: Solo attorneys and small law firms Mid-size and large multi-practice firms Attorneys serving as "Of Counsel" or working as independent contractors Firms involved in nonprofit board activities or publishing legal content We are able to place coverage for firms engaged in a variety of practice areas, including civil litigation, family law, real estate, estate planning, and more. Accounts with prior claims are considered, and we offer flexible options for firms with complex risk profiles. Coverage Highlights and Advantages Capitol Special Risks works with multiple carriers to offer a robust suite of coverage features, including: Pre-Claim Assistance to mitigate potential issues early Network and Information Security Offense Coverage Crisis Event Expense Reimbursement Mediation Deductible Credit (up to $25,000 reduction) Enhanced Settlement Clause for more flexible resolution Directors & Officers (D&O) Coverage for Non-Profit Involvement Publishing Liability and Pro Bono Coverage Worldwide Coverage including Bodily Injury and Property Damage Loss of Earnings and Disciplinary Proceeding Expense Reimbursement Punitive and Exemplary Damages (where allowed by law) Spousal, Domestic Partner, and Innocent Insured Provisions Equity Interest and Limited Intra-Firm Services Coverage These features are designed to address both traditional and emerging risks faced by attorneys in today’s legal environment. Underwriting Notes and Minimum Premiums Minimum premiums vary based on firm size, practice areas, and claims history. We offer fast turnaround on quotes and never charge a broker fee. Our team will work closely with you to compare policies and ensure the best fit for your client’s needs. Territories and Availability This program is available in most U.S. 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, WV, WI, and WY. Admitted coverage is available in some states; contact us for specific state availability. Why Work With Capitol Special Risks? With deep expertise in the Legal E&O market, Capitol Special Risks serves as a trusted wholesale broker for agents and brokers nationwide. We understand the nuances of legal malpractice insurance and help you navigate carrier appetites, coverage differences, and underwriting concerns. Our goal is to make your job easier—and to help you deliver competitive, well-structured insurance solutions to your legal clients. Contact us today to place your Lawyers Professional Liability accounts. Fast turnaround—and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of law firms are eligible for this program?We can place coverage for solo attorneys, small to large law firms, and attorneys working independently or "Of Counsel." Firms involved in nonprofit or publishing work are also eligible. Are firms with prior claims eligible?Yes, we consider firms with prior claims. Each submission is reviewed based on the details of the claim, firm size, and risk profile. Is this program available in my state?Our Lawyers Professional Liability program is available in most states across the U.S. Some admitted options are available depending on the state. Contact us to confirm availability in your area. What is the turnaround time for quotes?We offer fast turnaround on submissions, often within a few business days, depending on the complexity of the account. Do you charge a broker fee?No, Capitol Special Risks does not charge a broker fee for this program. Need help placing an account? Connect with a market specialist.