Key coverage conversations
Every business is different. These are starting points for evaluating coverage, not a universal checklist of required policies.
Professional liability
Errors and omissions policies may address certain client allegations related to professional mistakes.
Cyber and privacy
Client data, payment processes, and digital operations can create privacy and security exposures.
General liability
Your office, visiting clients, and routine operations can still create third-party injury or property-damage concerns.
Contract requirements
Service agreements can impose limits, insurance types, promises to pay certain losses for a client, and proof-of-insurance needs.
Business continuity
Consider the effect of equipment loss, interruption, or dependent vendors.
Example: a service outage creates a client loss
A computer failure delays a deliverable, a cyber incident exposes client data, or a consultant is accused of giving faulty advice. These events may involve different policies and exclusions. Property insurance may address damaged equipment; cyber coverage may address some security incidents; professional liability may apply to certain service-error claims. Ask about each scenario rather than assuming one policy covers them all.
Bring contracts and vendor details
Client agreements can require insurance limits, promises to pay certain losses for a client, security practices, and notice deadlines. Those obligations may be broader than policy coverage. Share sample agreements, explain the actual services performed, and identify vendors that handle client data or payments. Have legal counsel interpret contractual duties.