Professional Services Insurance

Serving the insurance needs of professional service businesses in Massachusetts, Rhode Island, and New Hampshire since 1986.

For professional service providers, trust is everything. Your clients rely on your expertise, advice, and judgment to make important decisions — often with financial or legal consequences.

Professional services insurance helps protect your business when a client claims that your work caused them harm, even if you did everything right.

What Is Professional Services Insurance?

Professional services insurance is designed to protect businesses that provide advice, guidance, or specialized expertise to clients.

While standard business insurance may address physical risks like injuries or property damage, professional services insurance focuses on claims tied to errors, omissions, negligence, or unmet expectations.

This coverage is especially important for businesses whose primary exposure comes from decision-making, recommendations, or professional judgment rather than hands-on work.

Who Needs Professional Services Insurance?

Professional services insurance is commonly used by businesses such as:

• Lawyers and law firms
• Accountants and accounting firms
• Real estate agents and brokers
• Marketing, advertising, and PR agencies
• Consultants and advisory firms
• Veterinary clinics and hospitals

If your clients depend on your professional opinion, analysis, or strategic guidance, this type of insurance plays a critical role in protecting your livelihood.

Common Coverages for Professional Service Businesses

Professional services insurance policies are typically built around liability tied to advice and client relationships. Common coverages may include:

Professional Liability Insurance (Errors & Omissions)
Helps protect against claims alleging mistakes, oversight, or failure to deliver professional services as expected — even when no physical damage occurs.

General Liability Insurance
Provides coverage for third-party bodily injury or property damage that may occur at your office or during normal business activities.

Cyber Liability Insurance
Helps protect against claims related to data breaches, cyber incidents, or the handling of sensitive client information.

Business Owner’s Policy (BOP)
Combines general liability and commercial property coverage, often used by firms with office space, equipment, or furnishings.

Workers’ Compensation Insurance
Required in most states if you have employees, covering work-related injuries or illnesses.

Commercial Umbrella Insurance
Provides additional liability protection beyond the limits of your primary policies.

Common Risks Faced by Professional Service Providers

Professional service businesses face risks that aren’t always obvious until a claim arises. These can include:

• Client disputes over advice or recommendations
• Allegations of financial loss due to errors or omissions
• Contractual disagreements or unmet expectations
• Data breaches involving confidential client information
• Slip-and-fall incidents at your office or place of business

Having the right insurance in place can help protect your business from the financial impact of these situations.

How Much Does Professional Services Insurance Cost?

D’Agostino Insurance works with you to balance coverage and cost. The cost of professional services insurance depends on several factors, including:

• The type of services you provide
• Business size and annual revenue
• Number of employees
• Claims history
• Coverage limits and policy options

Why Work With D’Agostino Insurance?

D’Agostino Insurance has been serving professional service businesses across Massachusetts, Rhode Island, and New Hampshire since 1986. We understand that your greatest risks aren’t always visible — and that protecting your reputation is just as important as protecting your balance sheet.

When you work with us, you receive:

• Coverage recommendations tailored to advisory-based businesses
• Access to multiple insurance carriers
• Guidance from experienced insurance professionals
• Ongoing support as your firm grows or evolves

Our approach is focused on protecting the work you stand behind every day.

Get a Professional Services Insurance Quote

Whether you’re a solo professional or managing a growing firm, the right insurance coverage can make all the difference when the unexpected happens.

If you’re ready to protect your business with coverage built around the services you provide, request a quote from D’Agostino Insurance and speak with an advisor who understands the risks professional service businesses face.