Protect Your Advice. Protect Your Practice.

Specialized insurance for Connecticut's Consultants, Accountants, IT Professionals, and Agencies.

When "General Liability" Isn't Enough

For professional service providers, the biggest risk isn't someone slipping on your office floor—it's a client claiming your advice caused them a financial loss.

Standard business insurance covers bodily injury and property damage. It does not cover claims of negligence, mistakes, missed deadlines, or undelivered services.

That is why Professional Liability (also known as Errors & Omissions or E&O) is critical. Whether you are a CPA filing taxes or an IT consultant managing a server migration, one small oversight can lead to a massive lawsuit. We help you ring-fence your personal and business assets against these claims.

Who Needs Professional Liability?

If you provide expertise, advice, or a specialized service for a fee, you are exposed.

Accountants & Bookkeepers
IT & Technology Consultants
Marketing & Ad Agencies
Real Estate Agents
Management Consultants
Architects & Engineers

Core Coverages for Professionals

Professional Liability (E&O)

The foundation of your protection. Covers legal defense costs and settlements if a client sues you for negligence, mistakes, or failure to deliver.

Defense Costs (even for groundless suits)
Copyright Infringement
Libel & Slander

Cyber Liability

You hold sensitive client data (Tax IDs, passwords, financial records). If you are hacked, you are liable. This is no longer optional for modern firms.

Data Breach Notification Costs
Ransomware Extortion Payments
Forensic IT Investigations

Business Owners Policy (BOP)

A cost-effective bundle that combines General Liability with coverage for your office equipment, computers, and furniture.

Office Slip-and-Fall Liability
Laptop & Equipment Coverage
Business Interruption Income

Why River East Insurance?

We understand that a "one-size-fits-all" policy doesn't work for professionals. An IT consultant needs different endorsements than a CPA.

We partner with carriers like The Hartford, Travelers, and Chubb who have specific programs designed for your industry. We read the fine print to ensure your "Prior Acts" are covered and your definition of "Professional Services" is broad enough to protect you.

✔ Contract Review: We help review insurance requirements in your client contracts to ensure you are compliant.
✔ Certificate Speed: We know you don't get paid until you provide a COI. We turn them around fast.
✔ Cyber Expertise: We help you assess your digital risk profile.

Review My Liability Limits

Common Questions from Professionals

Do I need E&O if I don't make mistakes?

Yes. You can be sued even if you did nothing wrong. Defense costs alone can bankrupt a small firm. E&O pays for your legal defense even if the suit is groundless.

Does my General Liability cover my advice?

No. General Liability covers bodily injury (someone tripping in your office). It explicitly excludes "Professional Services." You need E&O for that.

I work from home. Do I need insurance?

Homeowners insurance generally excludes business liabilities. At minimum, you need an endorsement, but likely a separate BOP to cover your business equipment and liabilities.

What is "Claims-Made" coverage?

Most E&O policies are "Claims-Made," meaning you must have the policy active both when the work was done AND when the claim is filed. We help you avoid gaps in this critical timeline.