What We Write Professional Liability

See Lexi’s Full List of Professional Products

Many of these classes of business also need a Workers' Compensation policy. Head over to our Work Comp page to find the necessary applications that we need to get you a competitive quote.

Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.

Accountants

Target Clients:
  • Services include Audits, Bookkeeping, Tax Accountants, Financial Planning, etc.
  • New ventures and new ownership eligible
Coverages:
  • General Liability
  • Professional Liability
  • Employment Practices Liability
  • Cyber Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Architects & Engineers

Target Clients:
  • Engineers: Structural, construction, oil & civil
  • Architects with design
  • Geo tech/thermal engineers
  • Land Surveyors
  • CAD/CAM design
  • Construction Managers
  • No limitation on Scope of projects
  • New ventures and new ownership eligible
Coverages:
  • Contractor’s Pollution Liability
  • General Liability
  • Professional Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Limits of Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Community Association Management Company

Target Clients:
  • Management Companies that manage portfolios made up of 85% community association properties
  • No maintenance services provided by management company
  • Ancillary real estate sales acceptable
Coverages:
  • Errors & Omissions Liability
  • General Liability
  • Directors & Officers Liability
  • Tenant Discrimination Liability
  • Hired & Non-owned Auto Liability
  • Property
  • Employment Practices Liability
  • Cyber Liability
  • Umbrella/Excess Liability
  • Business Auto
  • Workers’ Compensation
  • Fidelity
Requirements:
  • Must purchase Errors & Omissions Liability coverage to qualify for General Liability coverage

Consultants E&O

Target Clients:
  • Businesses providing professional services
  • More than 50 classes of business qualify
  • New ventures and new ownership eligible
Coverages:
  • Error & Omissions Liability
  • Employment Practices Liability
  • Cyber Liability
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & Non-owned Auto Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Contractors E&O

Target Clients:
  • Contractors needing E&O
  • New ventures and new ownership eligible
Coverages:
  • Property
  • Inland Marine: Contractor’s Equipment
  • Contractors Liability
  • Blanket Additional Insured Coverage
  • Waiver of Subrogation Coverage
  • Contractors Pollution Liability
  • Professional Liability (E&O)
  • Excess Liability up to $5 million
  • Workers' Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Corporate Directors Officers Liability

Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Cyber Liability - Community Associations

Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Cyber Liability - All Other

Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Dentists

Target Clients:
  • General Dentistry
  • Endodontics
  • Oral/Maxillofacial Surgery
  • Anesthesiology
  • Periodontics
  • Prosthodontics
  • Orthodontics & more
Coverages:
  • Professional Liability
  • Employment Practices Liability
  • General Liability
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Doctors, Physicians & Surgeons

Target Clients:
  • Variety of Physicians & Surgeons
Coverages:
  • Errors & Omissions Liability
  • General Liability
  • Cyber Liability
  • Employment Practices Liability
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Employment Practices Liability

Target Clients:
  • Accountants
  • Architects & Engineers
  • Consultants
  • Counselors
  • Employment Agencies
  • Fitness Centers
  • Hair Salons
  • Insurance Agents
  • Janitors & Landscapers
  • Law Firms
  • Manufacturers
  • Property Managers
  • Restaurants
  • Retail Stores
  • Schools
  • Supermarkets
  • Technology Companies
  • Travel Agents
  • Veterinary Clinics
Coverages:
  • Employment Practices Liability
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Event Planners

Target Clients:
  • Wedding/party planners
  • Corporate destination
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Blanket Additional Insureds
  • Errors & Omissions Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Health Care Consultant

Target Clients:
  • Health related consulting
  • Medical benefits
  • Government benefits
  • Elder care consulting
  • New ventures and new ownerships eligible
Coverages:
  • Property
  • General Liability
  • Professional Liability
  • Employment Practices Liability
  • Workers Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Home Health Care

Target Clients:
  • Professional & non-professional services
  • Services provided to individuals at their place of residence
  • Professional services by licensed nurses, RNs, LVNs, LPNs& physical therapists
  • Non-professional services by nurses’ aides and home health aides
  • New ventures and new ownerships eligible
Coverages:
  • Property
  • General Liability
  • Professional Liability
  • Sexual/physical abuse included
  • Fidelity (1st& 3rd party)
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Insurance Agents

Target Clients:
  • Must have been licensed for 3 years minimum
  • Small to large agents & brokers
  • Personal & commercial lines of business
  • Life & health
  • MGAs/MGUs
  • No TPAs
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Lawyers

Target Clients:
  • Law firm with 2 or more attorneys
  • Minimal real estate law practice
  • Some claim activity acceptable
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Medical–Miscellaneous

Target Clients:
  • Surgical centers
  • Dialysis centers
  • Assisted living facilities/Residential care facilities
  • Radiologists
  • Rehab centers
  • Imaging centers
  • Home care staffing
  • New ventures and new ownership eligible
Coverages:
  • General Liability
  • Professional Liability
  • MED-Defense Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Miscellaneous E&O

Target Clients:
  • Variety of Professions with E&O Exposure
  • New ventures and new ownership eligible
Coverages:
  • General Liability
  • Professional Liability
  • Employment Practices Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Mortgage Brokers

Target Clients:
  • Small to large mortgage brokers/bankers
  • Mortgage bankers
  • Mortgage bonds
  • Real estate sales & management
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Property Management

Target Clients:
  • Property managers of apartments & individual homes,
  • Vacation rental management
  • Commercial building management: office, shopping center, industrial
  • Condominium/homeowners association management
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Errors & Omissions Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Tenant Discrimination Liability
  • Hired & Non-owned Auto Liability
  • Umbrella/Excess Liability
  • Workers’ Compensation
  • Fidelity
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Real Estate Agencies

Target Clients:
  • Principal/Partner/Broker: 1 year licensed & 3 years licensed agent experience
  • Franchise and non-franchise firms
  • Agents/brokers/independent contractors
  • New ventures and new ownership eligible
Coverages:
  • Business Owners Package
  • Errors & Omissions Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Residential Care Facility

Target Clients:
  • Long term care Facilities to include all levels of care: skilled nursing, assisted living, transitional or independent living, and group homes for the elderly
  • Continuing Care Retirement Communities (CCRC)
  • Hospices
  • Group homes for troubled youth
  • Group homes for developmentally disabled
  • Shelters and halfway houses
  • New ventures and new ownership eligible
Coverages:
  • Errors & Omissions Liability
  • General Liability
  • Cyber Liability
  • Employment Practices Liability
  • Excess Liability up to $10 million
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Social Services

Target Clients:
  • Drug & alcohol counselors
  • Half-way houses
  • Counseling services
  • Group homes
  • New ventures and new ownership eligible
Coverages:
  • General Liability
  • Professional liability
  • Sexual Abuse & Molestation
  • Hired & non-owned auto liability
  • Workers Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Technology

Target Clients:
  • Application service provider/software as a service/cloud provider
  • Consulting/training/project management/staffing
  • Data or records storage, retrieval
  • Back-up/database administration/hardware evaluation, selection & maintenance
  • Software development/installations/sales
  • Systems or network evaluation/design/cabling/support
  • Web design/development/hosting or search engine optimization
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Tenant Discrimination

Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Title/Escrow Agents

Target Clients:
  • Revenues over $100,000
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA