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It’s personal—and it’s serious. Professional Liability Insurance is essential for your clients who provide advice, services, or expertise to others. Often misunderstood or overlooked, this coverage becomes a top priority once your clients realize what’s truly at stake: their firm’s reputation, their employees’ livelihoods, and significant legal defense costs—even when a claim is baseless. Insential, Inc. offers access to a wide range of Professional Liability markets and understands the nuances involved in placing this sensitive coverage. As an experienced Excess & Surplus Lines Broker, Insential helps agents confidently assess exposures, identify potential gaps, and tailor coverage to meet the specific professional risks your clients face. Ideal Accounts and Appetite Insential provides solutions for a broad spectrum of professional classes, including but not limited to: Accountants Interior Decorators Advertising Agencies Law Firms Architects & Engineers Payroll Processing Services Consultants Property Managers Counseling Services Real Estate Agents & Brokers Debt Collection Services Recruitment Consultants Employment Agencies Social Services Freight Forwarders Student Blanket Graphic Design Tax Preparation / Bookkeeper Healthcare Professionals Third Party Administrators Insurance Agents & Brokers Trustees Insurance Consultants Whether your client is a solo consultant or a growing professional services firm, Insential can help you secure the right coverage to protect them from potential financial devastation stemming from professional errors, omissions, or allegations of negligence. Coverage Highlights and Advantages This program doesn’t just provide indemnity—it helps prevent claims and manage risk. Many policies include access to legal resources such as contract reviews and educational tools. Key optional coverages include: Defense Outside the Limits Aggregate Deductible First Dollar Defense Personal Injury Sublimit Bodily Injury & Property Damage Sublimit Many clients mistakenly believe their General Liability or BOP covers professional exposure. Insential helps you close those gaps with solutions tailored to high-risk areas often excluded from standard policies. Underwriting Notes and Minimum Premiums Application requirements vary depending on the class of business. Some risks may require supplemental questionnaires or detailed loss history. Minimum premiums vary and depend heavily on the applicant’s industry, services offered, and claims history. You might have a client who runs a small architectural firm or a startup advertising agency—these are ideal fits for Insential’s program. Even if they’ve never had a claim, the exposure is real, and Insential can help you build the right solution. Territories and Availability Insential’s Professional Liability Insurance program is available on a non-admitted basis in most states, with some admitted markets available. Coverage is accessible in all 50 states plus DC, including major markets such as CA, TX, NY, and FL. Why Work With Insential Insential brings strong relationships with a variety of carriers and underwriters, helping agents place hard-to-insure or niche professional risks. Their team understands the complexity of professional exposures and offers valuable guidance to help you match your client with the right coverage form and structure. From initial quotes to risk management tools and claims coordination, Insential supports you every step of the way. Partner with them to protect your clients’ reputations—and your own. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals offering services or advice, including consultants, architects, law firms, real estate agents, and more. Is this Professional Liability coverage available in my state?Yes, Insential offers this program in all 50 states plus DC. Availability may vary between non-admitted and admitted markets. What coverage enhancements are available?Optional enhancements include Defense Outside the Limits, First Dollar Defense, Aggregate Deductibles, and sublimits for Bodily Injury and Personal Injury. How do I know if my client’s BOP or GL policy already covers these exposures?Most BOP or GL policies exclude professional services. Insential can help you review the existing coverage and identify potential gaps. What information is needed to get a quote?Depending on the class, you may need a completed application, details of services provided, prior claims history, and supplemental forms if applicable. Need help placing an account? Connect with a market specialist.

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