If your business sells expertise or advice rather than a physical product, your biggest exposure often isn't property damage — it's a client claiming your work or advice caused them a financial loss.
Get Started →A missed deadline, a documentation error, advice that didn't hold up — these are the claims that hit consulting, accounting, design, and similar firms, and general liability alone typically doesn't respond to them. That's what professional liability (errors & omissions) is built for.
You still need the fundamentals too: general liability for client visits to your office, and increasingly, cyber coverage if your work involves handling client data or sensitive information.
Coverage needs vary by profession and whether you handle client data — these are the types that come up consistently.
Licensing requirements for professional services vary significantly by profession in Arizona and are handled by different boards depending on the field — worth confirming your specific licensing requirements separately from your insurance program.
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