Profession directory / Start with the work
Find the E&O guide that fits the work.
Professional liability underwriting and policy wording change with the services performed, revenue mix, client profile, contracts, insured relationships and claim patterns associated with each profession.
Browse the directory
How to use this directory
Profession first. Policy second.
Start with the actual services performed, not the policy label. The service mix drives the professional-services definition, insured relationships, exclusions, endorsements, retention structure, underwriting supplements and claim scenarios that require review.
01
Real Estate
Brokerage E&O commonly turns on the definition of Professional Services, insured status, independent contractors, prior acts, defense treatment, owned-property restrictions, discrimination, escrow activity, mortgage-related work and other real-estate-specific exclusions or endorsements.
02
Property Management
Property-management liability can cross professional services, premises liability, tenant practices, contractual duties, client funds, maintenance oversight and cyber or crime exposures. Owned-property wording and the exact definition of covered property-management services deserve particular attention.
03
Accounting & CPA
Tax, bookkeeping, compilation, review, attest, valuation, fiduciary and advisory services can produce very different underwriting treatment. The application and policy should reflect the actual service mix, client concentration, engagement controls and higher-risk activities.
04
Insurance Agents
Agency E&O allegations commonly involve failure to procure, incorrect limits or coverage, renewal and replacement errors, binders, certificates and policy servicing. Review covered lines, producer and CSR status, predecessor entities, carrier-insolvency wording, prior acts and defense structure.
05
Mortgage Professionals
Mortgage-broker and mortgage-professional E&O can involve loan placement, documentation, disclosures, representations, rate or program allegations, lender requirements and activities that overlap with real-estate or financial-services exclusions. Licensing, loan types, transaction volume and affiliated-business relationships can materially affect underwriting.
06
Consultants
Consultants can be difficult to classify because the exposure follows the advice actually delivered. Contract scope, client industry, project size, subcontractors, guarantees, intellectual-property work, implementation responsibility and financial consequences all influence the professional-liability analysis.
07
Technology Professionals
Technology E&O often sits beside cyber coverage but addresses a different loss mechanism: alleged failure of technology services or products to perform as promised. Review the service description, software and hardware responsibilities, contractual liability, service-level commitments, intellectual-property allegations and the boundary between technology E&O and cyber coverage.
08
Transaction Coordinators
Transaction coordinator E&O centers on document control, deadline tracking, communications, supervision and the boundary between administrative support and licensed real-estate activity. Independent transaction-coordination companies also need separate analysis of insured status, contracts and cyber or funds-transfer exposures.
Coverage assistance from ECLICK Business Insurance
Need help finding the right E&O coverage for your profession?
E&O Provider is an educational resource from ECLICK Business Insurance Services. ECLICK can help translate profession-specific exposures into an insurance application, coverage comparison and E&O quote.