Pepper, Johnstone & Company Blog

Professional Liability Insurance for Consultants & Accountants

Tue, 14 Apr 2026 18:30:56 GMT

A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant.

According to Swiss Re's 2024 Sigma report, U.S. liability claims have risen 57% over the past decade, driven largely by rising litigation costs and shifting jury attitudes. For consultants and accounting firms, this isn’t a distant risk to brush off. It’s the operating reality of selling advice for a living: one you can and should be covered for with professional liability (a.k.a. errors and omissions) insurance.

Key Takeaways: E&O Insurance for Consultants & Accountants

E&O and general liability cover different things. GL covers bodily injury and property damage. E&O covers financial harm caused by professional advice, service failures and missed deadlines.
Claims don't require intentional wrongdoing, only financial harm. Bad recommendations, tax filing errors, missed deadlines and scope creep are among the most common triggers.
The cost of defense alone can threaten a firm's survival. Defending a professional liability claim can run into the hundreds of thousands in legal fees before any settlement is reached, even when the claim is ultimately dismissed.
Coverage needs to grow as the firm grows. E&O limits, cyber liability, EPLI and tail coverage all require active attention as headcount, contract size and service offerings expand.

Professional Liability / Errors and Omissions Insurance Explained

Professional liability insurance covers the financial fallout when a client claims your work (or your failure to act) caused them harm. It’s designed to cover defense costs, settlements and judgments in claims involving:

Negligence
Errors in professional judgment
Failure to deliver promised services
Missed deadlines

This is distinct from the physical harm general liability insurance covers, like bodily injury, property damage or personal injury. Instead, professional liability is built to cover financial harm.

How Does Professional Liability Insurance Work?

A covered claim under a standard E&O policy typically involves a client alleging that your professional services caused them a financial loss. The policy responds with coverage for legal expenses, such as:

Attorney fees
Court costs
Expert witness fees
If applicable, settlement or judgment payments

Most policies pay legal defense costs inside the policy limits, meaning those costs reduce the amount available for settlement. In a contested claim, legal defense costs alone can consume $150,000 to $400,000 before any settlement is reached.

That exposure is the primary reason that small businesses in professional services can’t treat E&O coverage as optional.

Is Professional Liability the Same as Errors and Omissions?

Yes. Professional liability insurance and errors and omissions insurance (E&O) are the same coverage, just referred to by different names. "Professional liability" is the broader industry term, while "errors and omissions" is the name most commonly used for consultants, technology firms and accountants.

What Does Errors and Omissions Insurance Not Cover?

Common exclusions on E&O policies include:

Intentional acts
Bodily injury and property damage
Employment-related claims
Known prior claims
Criminal conduct

Cyber events and data breaches typically require a separate cyber liability policy, even if the breach is connected to professional work.

One structural detail worth noting: most E&O policies are written on a claims-made basis, meaning your policy has to be active when the claim is filed, not just when the incident happened. If you cancel your policy, you’re no longer covered for any new claims that arise, potentially leaving years of prior engagements exposed.

The Most Common Claims Under Professional Liability Insurance for Consultants

Management consultants, IT consultants, HR advisors, and financial consultants all operate in an environment where clients connect their losses to the advice they received, regardless of whether that connection is fair.

Bad Recommendations

Bad recommendations are the most common trigger. When a client’s revenue falls short, a project runs over budget, or a strategy fails to produce the promised results, the consultant who shaped that strategy often ends up in the crosshairs.

The claim doesn’t require proof of fraud or bad faith. It requires only that a client suffered a financial loss and believes your work contributed to it.

Missed Deadlines

If you miss a project milestone, your client’s losses become your liability. Breach of contract claims most commonly arise when a deadline is missed, whether due to an unreliable subcontractor, a technical failure, a supply chain disruption, or any other issue.

Your client doesn’t have to prove intent, only that the delay caused them measurable financial harm.

Scope Creep

Scope creep is a quieter but equally serious risk. When project scope expands without formal documentation, you lose the contract clarity that protects you from claims that additional work caused delays or unanticipated costs. Many E&O claims against consulting firms trace directly to informal agreements that were never put in writing with official client sign-off.

IT and Technology-Specific Exposures

IT consultants face an added layer of exposure beyond standard consulting risks. Tech-focused firms can face claims involving software failures, system migrations that cause client downtime, security implementation errors and intellectual property disputes, among others. Any of these can generate legal fees that dwarf the original contract value.

For this reason, many carriers offer technology-specific E&O products that bundle professional liability with third-party cyber coverage in a single policy.

Common Claims Under Professional Liability Insurance for Accountants & CPAs

Accounting firms carry a distinct claims profile, and the financial fallout is significant enough to matter in any risk conversation.

Tax Filing Errors

In 2024, tax services accounted for 77% of the claims asserted against CPA firms in AICPA’s Professional Liability Insurance Program.

Common triggers include:

Missed filing deadlines
Overlooked refund opportunities
Incorrect deductions
Aggressive tax strategies
International form errors

IRS penalties for cases like this can reach hundreds of thousands of dollars each.

Missing Engagement Letters

In 2024, less than 50% of tax claims made against firms in the AICPA Professional Liability Insurance Program included an engagement letter. The absence of that single document is the most consistent risk factor in accounting malpractice claims.

Without a clearly defined scope of service, firms have limited ability to establish what they are and are not responsible for. That’s precisely what plaintiffs exploit when a claim arises.

Audit Failures

Audit failures are less frequent but far more costly. Third parties, primarily lenders and sureties who relied on audited financials, brought over half of audit and attest claims in 2021.

One documented case involved a bank demanding more than $10 million from a CPA firm after an audited manufacturer defaulted, alleging that the firm’s audit had misstated the business's financial condition.

Reduced Scope Doesn’t Mean Reduced Liability

The risk extends beyond full audits. CAMICO documents a case in which a company reduced its services from audits to reviews to cut costs. A CPA working on the account found discrepancies but didn’t follow up, reasoning that fraud detection falls outside the scope of a review engagement.

The controller exploited that reduced oversight to falsify payroll statements over an extended period. A jury found the firm negligent and awarded $1.2 million in damages.

Advisory and Consulting Services

Advisory services are the fastest-growing practice area in public accounting. As firms expand into transaction support, business valuations, M&A consulting and wealth management, the professional liability exposure expands with them. Your firm carries E&O exposure across every service line you add, whether or not your coverage has kept pace.

Professional Liability Coverage Limits & How Insurance Programs Should Be Structured

Professional liability insurance needs change as a firm grows in headcount, in contract size and in the complexity of services it delivers.

Starting Out: Solo Practitioners and Small Firms

Coverage limits for solo consultants and small practices typically start at $1 million per claim / $1 million aggregate. A $1M/$2M structure is the more common baseline recommendation. Enterprise and government contracts often specify minimum E&O limits as a contract condition, and a business owner who can’t meet those thresholds may not have the opportunity to bid on the project via the typical RFP (request for proposal) process.

For accountants, solo and small practices generally carry $1 million per claim at a minimum. At this stage, a BOP that bundles general liability insurance with commercial property coverage typically sits alongside the E&O policy as a separate purchase.

Growing Firms: Adding Coverage as Exposure Increases

Mid-size firms commonly carry E&O limits of $2 million to $5 million. As the number of employees grows, employment practices liability insurance (EPLI) becomes a meaningful addition. If the firm has outside investors or a formal advisory board, D&O insurance should be part of the conversation as well.

For technology-focused types of businesses like IT consultants, SaaS providers and managed service firms, policies that bundle E&O with third-party cyber liability eliminate the coverage gap between a professional error and a data event.

Larger Firms: Layering for Higher Exposure

Larger firms doing significant audit work or handling complex advisory engagements may need $5 million to $10 million in professional liability insurance coverage, often achieved through excess professional liability layers rather than a single primary policy.

Standard commercial umbrella policies don’t extend over professional liability. When a firm needs higher coverage limits than its primary E&O policy provides, it must purchase a separate excess professional liability policy that follows the form of the underlying E&O.

The umbrella and the excess E&O sit side by side. They serve different purposes and don’t substitute for one another.

Tail Coverage: The Insurance Gap Most Firms Don’t Plan For

Tail coverage (also called an extended reporting period) is a consistently overlooked but important element of protection. Because E&O policies are written on a claims-made basis, a claim must be reported while the policy is active. When a firm dissolves, sells or changes carriers, tail coverage extends the window to report claims for work done during the prior policy period.

Every firm approaching a transition needs this conversation before the deadline arrives, not after.

Best Advice: Work With an Independent Insurance Advisor

Pepper, Johnstone & Company works with consultants and accounting firms to structure professional liability programs that reflect how those businesses actually operate, not just what looks good on a certificate. If your current coverage hasn't kept pace with your service offerings, it may be time to take a closer look.

Request a quote online or call 866-381-5821 to get started.

General Contractor Insurance: A Complete Coverage Guide

Tue, 14 Apr 2026 18:26:42 GMT

In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free.

Most people in construction understand they need insurance. Fewer understand exactly what they need, what their contracts require, and where their current program has gaps. This guide covers all three.

Key Takeaways

General liability alone isn’t enough. A standard $1M/$2M policy won't cover employee injuries, stolen equipment, professional errors or post-completion defects without additional coverage in place.
Contracts set the floor, not the ceiling. Project owners specify exact insurance requirements, and meeting minimums isn't always enough on larger commercial work.
Certificates of insurance have real limits. A COI proves a policy exists, but it is not confirmation of coverage.
Uninsured subcontractors become your problem. If an uninsured subcontractor causes a loss on your job site, your own insurance carrier will likely absorb the cost of the claim; however, you may also be canceled or non-renewed by your insurance carrier for working with an uninsured subcontractor.
Umbrella limits need a fresh look. Nuclear verdicts against construction businesses have surged, and limits that felt adequate five years ago may not hold up today.

Construction Liability Exposure Is Unlike Most Industries

Construction sits near the top of every industry liability ranking. OSHA's "Fatal Four" — falls, struck-by incidents, electrocutions and caught-in/between accidents — account for the majority of construction fatalities each year. Water-related claims have compounded the problem; losses exceeding $1 million have tripled since 2015.

General contractors sit at the center of it all. You're not just managing your own crews; you're absorbing liability for subcontractors, owners and third parties on or adjacent to your job site every day.

The Core Construction Insurance Coverages Every GC Needs

General Liability Insurance: The Baseline

General liability covers third-party bodily injury, property damage and personal injury arising from your operations. The standard minimum is $1 million per occurrence / $2 million aggregate, which is what most contracts and licensing boards require.

Products and completed operations coverage is part of a standard general contractor liability insurance policy and responds to defect claims that surface after project delivery. For example, a leaking roof, a failed mechanical system, or a structural issue that shows up in year three. In this type of business, litigation can begin long after the work is done.

An occurrence-based policy is almost always the right structure for construction company insurance. It covers any incident that happens during the policy period, regardless of when the claim is filed, which is critical for long-tail completed operations exposure.

Workers' Compensation Insurance: Legally Required, Financially Critical

Workers' compensation is mandatory in 49 states and required by virtually every commercial contract. It covers the costs of job-related injuries, illnesses and lost wages.

The average lost-time workers' comp claim costs more than $47,000. Amputation claims, which aren't uncommon in high-risk trades like construction, average over $125,000. Severity has been climbing across the trades, making safety investment a financial decision as much as an operational one.

Builders Risk Insurance: Protecting the Project

Builders risk covers the structure under construction against fire, theft, vandalism and other covered perils. It typically includes materials, installed components and embedded labor. It's project-specific and ends at substantial completion.

Who procures it matters. Standard contract language typically assigns builders' risk to the project owner, but GCs frequently purchase it when the owner doesn't. If both parties assume the other has coverage and neither does, that oversight exposes the project, leads to disputed claims, and can halt work while you sort out the details.

That’s why confirming who holds the policy before work starts is crucial.

Inland Marine Insurance: Protecting the Equipment

Standard commercial property insurance doesn't follow your equipment to the job site. A contractor's equipment floater—sometimes called tools and equipment insurance—is a type of inland marine coverage that protects owned and rented machinery wherever it travels.

Fewer than 25% of stolen construction equipment is ever recovered, according to the National Equipment Register and NICB, making theft a near-certain total loss without this type of coverage.

Commercial Auto Insurance: Personal Policies Don't Cover Business Use

Commercial auto insurance is required on any vehicle used for business purposes. Personal auto policies exclude business use entirely, which means an employee running materials to a job site in their own truck and getting into an accident faces a denied claim. The standard contract requirement is a $1 million combined single limit.

A hired and non-owned auto endorsement covers employees using personal vehicles for work. Most general contractors have this exposure, but not enough address it.

Commercial Umbrella: Why Your Current Limits Deserve a Fresh Look

A commercial umbrella policy extends limits above general liability, auto and employer's liability once an underlying limit is exhausted. For contractors, it's the policy that determines whether a serious claim is manageable or catastrophic.

Limits set years ago deserve a fresh look. Nuclear verdicts in civil litigation reached $31.3 billion in 2024, with construction and engineering accounting for $2 billion of that figure. A limit that felt adequate when you last reviewed your program may not hold up against today's litigation environment.

Does My General Liability Coverage Include My Subcontractors?

Generally, no. Your general liability policy covers your operations, not the independent work of subcontractors on the same job. Each sub should carry their own general liability policy and list your company as an additional insured.

If an uninsured sub causes bodily injury or property damage on your construction project, the claim lands on your insurance program. That's why requiring a certificate of insurance both before awarding work to your subcontractors and before remitting final payment to your subcontractors isn't just an administrative task; it's a financial control that benefits you.

What Is a Certificate of Insurance and Why Do Contractors Need One?

A COI is a one-page summary of a policy's coverage types, limits, effective dates and policy numbers. It proves coverage exists, and is essential before beginning any work.

However, it does not confirm that the right endorsements are attached nor is it a confirmation of coverage. Coverage disputes at claim time often trace back to missing or incorrect endorsements, none of which a COI would have revealed in its entirety.

Where GC Programs Most Often Break Down

Unverified Subcontractor Coverage

This is the most common problem. When an uninsured sub causes a loss, the GC's policies absorb the cost, and premiums reflect it at renewal.

Missing CG 20 37 from Subcontractors

Two endorsements make additional insured status work correctly: CG 20 10 covers ongoing operations, and CG 20 37 extends that protection to completed operations after the project finishes. A subcontractor that provides CG 20 10 but not CG 20 37 leaves no additional insured protection for post-completion defect claims.

Inadequate Umbrella Limits

A $1 million umbrella made sense for small businesses when median verdicts were far lower. However, limits set years ago need a fresh look given the litigation severity in the construction industry today.

No Professional Liability on Design-Build Work

Commercial general liability insurance policies exclude professional services entirely. A GC providing drawings, specifications or engineering decisions needs a separate errors and omissions policy. General liability will not respond to a design error claim.

Build a Program That Holds Up at Claim Time

A certificate of insurance is not a coverage review, and checking a contract requirement box is not a risk management strategy. At Pepper, Johnstone & Company, we work with contractors to analyze actual exposure, verify subcontractor compliance and structure programs that work when a claim happens, not just when a bid goes out.

If you're a residential, commercial, or artisan contractor and want a real look at your coverage options, contact us for an insurance quote today.

Startup Insurance: A Complete Guide for Founders

Sat, 31 Jan 2026 06:00:00 GMT

Most startup founders can tell you their burn rate, their CAC and their runway down to the week. Ask them about their insurance program and the conversation gets vague fast. But the moment you bring on employees, sign a client contract or take outside capital, you carry real liability exposures.

The insurance coverage decisions made early in a startup's life can define what you're protected against when something actually goes wrong. This guide walks through the full landscape of insurance for startups: what business insurance coverage you need at each stage, how investor expectations affect your program and where founders most often leave themselves exposed.

Key Takeaways

Insurance needs escalate fast. The right coverage will look very different for a pre-seed startup and a Series A company.
Investors often set the floor. Many VC and PE-backed startups must carry directors and officers insurance and professional liability insurance as a condition of funding.
General liability insurance alone isn't enough. E&O, cyber liability and D&O are critical additions.
Cyber exposure starts on day one. Any startup handling user data, payment information or employee records has cyber liability.
An independent insurance advisor changes the outcome. Specialty programs designed for early-stage companies go well beyond what a standard business owner's policy provides.

Where Most Founders Start with Business Insurance (and What They Miss)

At the earliest stage, most founders default to a Business Owner's Policy (BOP). A BOP bundles general liability and commercial property insurance into a single policy. It also typically includes business income (business interruption) coverage. It’s a reasonable starting point for a new business with an office, business property and basic slip-and-fall exposures.

However, there’s a lot it doesn’t cover, like professional mistakes, data breaches, executive conduct or employment disputes. For a SaaS company or a tech startup with even one client contract, those exposures are a part of doing business.

Workers’ compensation insurance is the other early-stage requirement most founders overlook. It becomes legally required the moment you have employees, with thresholds varying by state. Beyond compliance, it covers medical expenses and lost wages for employees injured on the job. Many startups miss this until they're adding employees quickly, which is precisely when a lapse has the greatest financial impact.

What Other Business Insurance Policies Do Startups Need?

Errors & Omissions (E&O) / Professional Liability Insurance

If your startup delivers any kind of service, software or advice to clients, you carry professional liability exposure. Errors and omissions insurance covers claims when your professional services cause financial losses. For example:

A missed deadline that costs a client a contract
A software bug that disrupts operations
A consulting recommendation that backfired

These are all examples of errors and omissions coverage claims, where general liability doesn’t help.

Many startups don't purchase E&O until a client contract requires it. By then, the policy is reactive rather than strategic. Buying this type of business insurance earlier means you control the terms and policy limits, rather than scrambling to meet a client's minimum thresholds on a tight timeline.

Small business owners who wait often find themselves purchasing a policy separately for each client requirement, which is both more expensive and harder to manage.

Cyber Liability

The average cost of a data breach globally was $4.4 million in 2025, according to IBM's Cost of a Data Breach Report. Startups and small businesses are frequent targets precisely because their security infrastructure tends to lag their data footprint. A cyber liability policy typically covers breach response costs, legal fees, notification expenses, regulatory fines and business interruption losses tied to a cyber event.

Critically, adding a cyber endorsement to a BOP isn’t the same thing as having a real cyber program. Endorsements carry their own sublimits and are not built for the complexity of an actual breach response, especially for tech startups. That said, policy structure matters even in standalone cyber coverage.

What are sublimits & coinsurance in cyber liability insurance?

Most buyers evaluate a cyber policy by its total limit, but the more important number is often buried inside it. Ransomware has forced carriers to rethink how much exposure they're willing to absorb, and the result shows up in policy language.

For example, a company might purchase a cyber policy with a total limit of $5 million and find that ransomware-related losses are subject to a separate sublimit of $1 million. That means a $3 million ransomware attack may only be covered up to that $1 million sublimit.

Some insurers are now adding coinsurance clauses as well. A coinsurance provision on a ransomware claim requires the insured (that’s you) to pay a specified portion of the loss out of pocket, with the insurer covering the rest.

This is why policy comparison matters. An independent insurance agency can review sublimit structures, coinsurance provisions and coverage triggers across multiple carriers rather than defaulting to a single form. The difference between two policies with the same headline limit can be significant when a claim actually occurs.

What Insurance Do Startups Need When Investors & Employees Enter the Picture?

Raising outside capital adds a layer of risk that most founders don't fully account for: the decisions made by company leadership are now subject to scrutiny by shareholders, board members and, in some cases, regulators.

Directors & Officers Insurance (D&O)

Directors & officers insurance protects the personal assets of executives and board members against claims that they mismanaged the company, breached fiduciary duties or made decisions that harmed investors.

Many institutional investors require D&O coverage as a condition of funding. Even when it's not contractually required, a company operating without D&O is asking its leadership team to accept personal financial risk, which creates its own governance problems.

For startups with VC or PE backing, D&O coverage should be in place at or before board formation. The insurance policy needs to be structured to cover both the company and its individual executives, and the limits should reflect the size of the capital raised and the company's stage.

Employment Practices Liability Insurance

Employment disputes are among the most common and most expensive legal expenses businesses face. When an employee sues over wrongful termination, discrimination or harassment, the cost to defend that claim can cost hundreds of thousands of dollars, regardless of outcome. Employment Practices Liability Insurance (EPLI) covers those defense costs and any resulting settlements or judgments.

For young companies scaling headcount quickly, EPLI is often an afterthought until there's a complaint. A company that goes from 5 to 50 employees in 18 months has substantially more employment exposure at 50, and the organizational culture decisions made during that sprint often determine whether a claim materializes.

Commercial Umbrella: The Policy Binding the Rest

Each of the essential policies above carries its own limits. A commercial umbrella policy extends those limits, triggering when a primary policy’s limit is fully exhausted.

For a startup with active client contracts, investor oversight and growing headcount, an umbrella adds a crucial layer of protection above the underlying coverage without requiring you to dramatically increase limits on every individual policy.

The Most Common Startup Insurance Mistakes

Buying Only What’s Required

Many founders purchase small business insurance reactively: workers' compensation because the state requires it, E&O because a client demanded it. The result is a patchwork program with gaps that nobody notices until there’s a claim, at which point it’s too late to secure coverage and may also prevent you from securing coverage in the future if the claim is currently active.

Underestimating Cyber Exposure

A startup with 200 users and a basic product still has data liability. Email credentials, payment data and employee records are all targets. Cyber coverage should be part of the conversation from the beginning, not after a breach.

Choosing Limits Based on Minimums

A $1 million general liability insurance policy may satisfy a landlord's requirement, but a single bodily injury claim or property damage lawsuit can exhaust that limit fast. Limits should be set based on actual exposure, not on the minimum threshold.

Opting for a higher deductible to reduce premiums is a reasonable trade-off in some cases, but only if your company can actually absorb that deductible when a claim occurs.

Having a true risk management partner makes a world of difference in this regard. Independent brokers can help you navigate business insurance costs, weighing all the factors as your business grows.

Choosing Speed Over Expertise

The insurance industry has seen a wave of digital platforms and "InsurTech" companies marketing directly to founders with fast quotes and instant online startup business insurance.

For very basic needs, those tools can get you to a policy quickly. What they can't do is analyze your startup's unique risk profile, flag exposures you haven't considered or advocate for you when a claim is denied by the insurance carrier. Experienced entrepreneurs tend to prioritize insurance earlier and more deliberately than first-time founders, often because they've seen what a coverage gap costs.

Insurance companies that specialize in tech and early-stage businesses build programs to address the risks those companies actually face. Working with an independent agency means gaining access to the best of those insurance options rather than defaulting to a checkout flow that wasn't designed with your exposure in mind.

How Should Insurance Coverage Evolve as a Startup Grows?

The right insurance coverage looks different depending on where your company is. Here's how to think about it by stage:

Pre-seed: BOP (general liability coverage + commercial property insurance, covering business property, equipment and leased space), workers' compensation if applicable.
Seed: Add E&O, cyber liability, consider D&O if board is forming. Evaluate whether commercial auto insurance applies if employees use vehicles for business.
Series A and beyond: Full D&O program, EPLI, commercial umbrella, expanded cyber limits, key-person life insurance, and other specialty insurance coverage as needed.

Each transition point is an opportunity to review your business insurance coverage through a risk management lens. Most startups that skip that review find out at claim time what they were missing.

Working With an Independent Insurance Agency

Insurance for startup businesses isn't a one-size-fits-all category. An independent agency like Pepper, Johnstone & Company has relationships with multiple specialty carriers, which means we can structure the right coverage that fits where your company actually is, not where a standard form assumes it should be.

If you're building a company and want to understand your current exposure, we're glad to take a look. Request a quote online or call 866-381-5821 to get started.

Year-End Risk Review: 5 Insurance Gaps to Fix in 2026

Mon, 29 Dec 2025 06:00:00 GMT

Running a business already takes most of your time. Reviewing your insurance coverage usually sits at the bottom of the list, until a claim exposes a weakness you didn’t know was there. A year-end risk review creates a deliberate pause to identify those gaps now so they don’t turn into six-figure surprises in 2026.

Many growing companies carry the prototypical policies such as commercial general liability, commercial auto liability and workers compensation but overlook other risk exposures tied to cyber liability, employment practices, social engineering fraud and the like.

In this guide, we’ll walk through five areas that deserve a closer look and how Pepper, Johnstone & Co. can help you tighten things up before the new year.

At a Glance

Standard policies often leave gaps in liability, cyber, and employment-related risks.
Commercial umbrella insurance extends liability limits above your general liability, auto, and other core policies.
Cyber and EPLI insurance respond to evolving operational and legal exposures like data breaches and employment claims.
Business auto, property, and income coverage should adapt alongside growth.
Pepper, Johnstone & Co. partners with 60+ insurance carriers to help you find and close gaps before renewals.

Why a Year-End Risk Check Matters for Growing Businesses

Businesses rarely stay static. Revenue grows, headcounts increase, contracts change, vehicles are added and operations expand. When revenue, payroll and assets increase, limits that felt sufficient five years ago may be woefully insufficient today.

A year-end review creates a natural checkpoint to step back and ask:

What changed in my business this year?
Where did we take on new risk (contracts, locations, vehicles, employees)?
Are the current policies and limits in sync with the size and complexity of the organization?

Understanding how coverage responds—and which insurance carrier is backing each policy—matters. The insurance brokers at Pepper, Johnstone & Company serve as advisors, not captive agents, which allows coverage options to be evaluated across multiple carriers rather than confined to a single provider. That flexibility supports more thoughtful risk decisions as businesses grow.

5 Most Common Insurance Gaps for Small Businesses

Gap #1: Liability Limits That Haven’t Kept Pace Without Commercial Umbrella Insurance

General liability and commercial auto form the foundation of most insurance programs. The challenge is that claims don’t always respect their limits. Jury awards, medical expenses, and extended legal defense costs can exhaust primary coverage faster than many organizations expect.

Commercial umbrella insurance is designed to address that exposure.

What is Commercial Umbrella Insurance?

Commercial umbrella insurance provides additional liability limits above underlying policies. Think of your general liability, auto and employer’s liability (the liability portion of workers’ compensation) as the first line. The umbrella sits above them and kicks in when a covered claim exceeds those primary limits.

In practice, umbrella coverage helps prevent a single severe claim from disrupting cash flow, forcing asset liquidation or creating long-term financial strain.

Gap #2: Cyber Liability That Hasn’t Kept Up with Operations

These days, almost every business relies on cloud platforms, email, remote access or digital payment systems. Those efficiencies introduce cyber risk that traditional policies were never designed to address.

Industry claims data continues to show that while the frequency of claims may fluctuate, the severity of cyber losses remains high, with many incidents reaching six figures once forensic investigations, legal costs, notification requirements and downtime are factored in.

Despite what many business owners assume, general liability and property policies typically do not cover the costs of:

Ransomware and extortion demands
Data breaches involving customer or employee information
Business interruption if your systems go down
Notification, credit monitoring, and regulatory response

A meaningful cyber review looks beyond limits alone. It examines your tech stack (POS systems, remote access, cloud tools) and examines how data moves through the organization, where access points exist, and how quickly operations could recover following a disruption.

Gap #3: Weak EPLI Insurance for Employment Claims

As organizations grow and employment regulations evolve, employment-related claims tend to rise alongside them. EPLI (Employment Practices Liability Insurance) helps cover defense costs and settlements tied to allegations such as harassment, discrimination, wrongful termination and retaliation.

A productive EPLI check with your agent should cover:

Current headcount and hiring trends
Use of contractors, temporary staff or remote employees
Organizational changes or restructuring
Prior complaints, claims or internal disputes

If you’ve added locations, grown your team, or had tense employment conversations this year, ask for a fresh EPLI quote or a coverage review.

Gap #4: Business Auto and Driver Exposure

Any time your people drive for work, you carry the risk. That includes company-owned vehicles and employee-owned autos used for errands, site visits or client meetings. Personal auto insurance usually excludes accidents that happen during business use, so relying on it can leave a costly coverage gap.

During your year-end review, go over:

All vehicles titled to the business
How often employees drive their own cars or rentals for work
Changes in travel patterns or territory
Driver screening, MVR checks, and safety practices

Strong auto and umbrella limits help keep a single accident from becoming a long-term financial problem.

Gap #5: Property, Business Income, and Contract Requirements

Property insurance does more than protect buildings and equipment—it supports continuity after a loss. Rising construction costs, equipment upgrades, and inventory growth can quietly create underinsured values when policies aren’t updated.

Two areas often need attention at year-end:

Updated Property Values

Have construction costs risen since your last appraisal?
Did you add new equipment, vehicles or inventory this year?
Did you open or expand into a new location?

Business Income Coverage

Could your business keep paying payroll and bills if a covered loss shut you down for weeks or months?
Does your policy limit match your current net income and expense level?

Contracts add another layer of complexity. Leases, loan agreements and client contracts often require specific limits or coverage forms. When insurance programs drift out of alignment, compliance issues tend to surface after a loss.

How Pepper, Johnstone & Co. Helps Clients Close Coverage Gaps

We approach insurance as a risk management exercise, not just a product transaction. As an independent agency, we work with 60+ insurance carriers, so we can structure coverage around your unique operations, contracts and growth plans.

During a year-end risk review, the focus is on:

Explaining how commercial umbrella insurance works and interpreting how it applies across liability exposures
Reviewing cyber, EPLI, auto and property coverage together
Identifying gaps between current policies and real-world risk
Aligning your insurance program with plans for the year ahead

This kind of review provides you with a comprehensive understanding and a sound gameplan you can feel good about going into the new year.

Insurance gaps usually don’t show up in quiet years. They appear after a lawsuit, a bad accident, a cyber event or a catastrophic storm that halts operations. A thoughtful year-end risk review helps you spot these weak spots in your liability, cyber, EPLI, auto and property coverage while there’s still time to correct them.

Schedule Your 2026 Risk Review with an Independent Insurance Advisor

If you’re uncertain how your coverage would respond to a serious claim—or whether your limits still reflect your exposure—Pepper, Johnstone & Company can help. A year-end risk review provides clarity, context, and a practical path forward.

The goal isn’t just more coverage. It’s coverage that aligns with how your business operates today and where it’s headed in 2026. Request a quote today to get started.

Liability in the Gig Economy: Are Your Contractors Covered?

Fri, 28 Nov 2025 06:00:00 GMT

Businesses across the country rely on independent contractors for speed, flexibility and specialized talent. It’s efficient. It keeps overhead low. It helps growing companies stay nimble. But whenever contractors step onto your jobsite, interact with your clients or represent your brand, the line between “independent worker” and “your responsibility” becomes harder to define.

Liability in the gig economy is rarely straightforward. Misclassify a worker or assume they’re covering their own risks, and your business could be held responsible for injuries, property damage or even employment-related claims. The smartest way to protect your business is to understand where liability starts and how far it extends.

Below, we’ll break down what today’s companies need to know before hiring their next freelancer, contractor or project-based specialist.

Key Takeaways

Independent contractors can still create liability for your business, depending on how work is performed and how state laws interpret the relationship.
Worker classification directly affects how insurance applies, especially for injuries, property damage and professional exposure.
Both contractors and hiring businesses need the right insurance in place to avoid coverage gaps and costly disputes.
Strong liability and workers’ comp protection help safeguard your operations as you rely more heavily on gig and project-based labor.

Are Independent Contractors Automatically Excluded From Your Liability? Not Always.

Many small business owners believe contractors operate outside their responsibility. In reality, that depends on how state laws define the working relationship. A contractor can still create liability for your business if they’re injured while performing work you directed, if they damage a client’s property or if their actions appear tied to your company.

The confusion stems from how inconsistent state laws can be. Some states give businesses wide latitude. Others apply workers' compensation laws aggressively to anyone performing labor under your direction. Even if an individual signs a contract stating they’re a contractor, a court or state agency can still determine that the relationship qualifies as employment.

Insurance exists for this exact reason: responsibilities sometimes fall where business owners don’t expect them to.

Worker Classification: The Line That Matters Most

Worker classification is a major factor in how liability unfolds. Whether someone is viewed as an employee or an independent contractor affects workers’ comp insurance for contractors, professional liability exposure and how various policies apply when an incident occurs.

States use different tests, but most focus on three areas:

Behavioral control: Do you dictate how the work is done?
Financial control: Do you control the workers’ earnings, supply their tools and equipment or dictate their schedule?
Relationship dynamics: Is the work a part of your core operations?

Understanding these distinctions is a key part of protecting your business.

Insurance for Independent Contractors: Who Pays When Someone Gets Hurt?

If a contractor suffers an injury while performing work for you, state laws may treat the injury just like any other workplace incident. That means you could be legally required to provide workers’ compensation coverage, regardless of what your contract states.

Workers’ compensation benefits cover medical bills, partial wage replacement and rehabilitation when a workplace injury occurs. If a workers compensation policy is not in place at the time of an incident, your business could face lawsuits, penalties and judgments that will be uninsured.

Workers’ compensation for independent contractors can help clarify where responsibility sits, but gaps often occur when contractors don’t carry their own active coverage. Without a plan for managing that exposure on your end, a single injury can have serious financial consequences.

Can a Contractor Sue You for Their Mistakes? Yes.

Contractors may be independent, but clients rarely view them that way. If a contractor causes damage, misses deadlines, harms a customer or botches a project, your business may be pulled into the claim.

This is where independent contractor liability insurance becomes relevant, but your own protection matters just as much. Relying solely on a contractor’s coverage creates a weak spot for your business if their limits are too low or their policy exclusions are too broad.

Your risk jumps significantly if a contractor:

Goes to a jobsite under your brand
Uses your tools and equipment
Drives a vehicle tied to your business
Interacts with your clients on your behalf

Contractors can also bring forward employment-related allegations; in fact, contractor EPLI claims are on the rise. Even though they aren’t traditional employees, disputes involving wrongful termination or discrimination have still led to costly claims.

A strong combination of small business insurance, professional liability insurance, and commercial auto insurance can keep these risks from turning into existential threats.

What Insurance Should Contractors Have Before They Work for You?

Before a contractor begins work for your business, you should always request proof of active coverage via a certificate of insurance, whereby you are listed as the certificate holder.

This is your verification that the contractor has adequate coverage in the event there is a claim against your business associated with the services they rendered on your behalf.

Contractors typically need:

Workers’ comp coverage: This helps clarify responsibility for workplace injuries and protects both sides.
General liability coverage: This covers client property damage, accidental harm and third-party claims.
Professional liability coverage: This applies when the contractor offers specialized work, consulting or advisory services.
Commercial auto insurance: This protects you if they drive their own vehicle for your business or visit client locations.
Coverage for tools and equipment: This prevents disputes when damage occurs to items that contractors bring onsite.

Contractors should arrive with their own coverage. Your job is to verify it, record it, and determine whether their limits meet your requirements for the project.

What Insurance Should Your Business Carry?

Even when contractors have their own policies, your business still needs protection for the exposures tied to your operations.

Strong coverage for gig-driven businesses typically includes:

Workers’ comp insurance: Most states require it by law and may still assign responsibility to your business during misclassification disputes.
General liability coverage: This protects your business against third-party claims tied to contractor actions.
Professional liability coverage: Important for tech firms, consultants and any business that offers advice or specialized services.
Commercial auto insurance: Necessary when vehicles connected to your business are involved in contractor travel.
Commercial property insurance: Helps protect the business equipment and assets used alongside contractors.
Commercial umbrella insurance: Provides greater financial protection in the event the underlying policy limits are exceeded in a large claim.
Small business insurance packages: These combine multiple policies to protect your business in a more structured way.

Your goal is to create a layered defense so that one mistake or misclassification doesn’t jeopardize your business.

The Cost of Misclassification

Misclassification isn’t a minor oversight. Consequences can include:

Retroactive payroll audits
Back-owed workers’ comp premiums
Penalties for noncompliance
Liability for workplace injuries
Employment-related lawsuits

Companies relying on gig labor often think of misclassification as a matter of paperwork. In reality, it’s a legal and financial exposure that compounds quickly.

How Pepper, Johnstone & Company Helps Businesses Navigate the Gig Economy

The modern workforce keeps shifting, and every new contractor relationship changes your risk profile. If you rely on contractors, occasionally or exclusively, you need an insurance program that’s built on accurate classification, verified coverage and a clear understanding of where liability actually sits.

That’s what Pepper, Johnstone & Company provides. We make sure you know how your coverage applies, where gaps may appear and which policies help protect your business from unexpected claims. Arm yourself with the help of a risk advisor who sees the whole picture, not just the policy in front of them, with Pepper, Johnstone & Co.

Protect Your Business in a Changing Workforce

Independent contractors can strengthen your operations, but they also introduce liability gaps that deserve careful planning. If you’re building flexible teams or navigating new contractor relationships, now is the right time to review your coverage.

Talk with a PJCO advisor today to make sure your business has the protection it needs for the work ahead.

Scary Season for Small Businesses: Liability Risks Rise in Fall

Thu, 06 Nov 2025 06:00:00 GMT

Key Takeaways

Fall creates unique business exposures. Wet leaves, icy sidewalks, and crowded holiday events can lead to costly injury or property damage claims.
General liability coverage protects your finances. It helps cover medical bills, legal fees, and settlements when your business is found responsible for harm or loss.
Lawsuits carry real financial impact. Small businesses face roughly $160 billion in annual tort costs, with typical litigation expenses ranging from $50,000 – $200,000 per case.
Layered protection builds long-term security. Adding cyber, professional, or commercial umbrella insurance helps safeguard your operations through every season.

Understanding Fall Liability Risks for Small Businesses

Holiday displays, sidewalk sales, and company events make fall one of the busiest times of year for small businesses. But while most owners focus on protecting their storefronts and merchandise, the real risks often lurk elsewhere. The scariest threats aren’t broken windows or burst pipes but liability claims that can follow your business long after the decorations come down.

From slippery walkways to seasonal decorations, these hazards can easily lead to accidents, property damage, or costly lawsuits if you’re not prepared. Taking a few proactive steps now can protect your business well beyond the fall season.

Why Fall Is a Great Time to Review Your Insurance Coverage

For many businesses, autumn means larger crowds, more events, and increased online sales, all of which come with added risk.

Seasonal activities often introduce new exposures. If a customer slips on wet leaves outside your storefront or an employee accidentally shares copyrighted images in your holiday marketing campaign, you could be at risk. These mishaps may sound small, but they can and do lead to costly lawsuits.

That’s where general liability insurance comes in. It helps cover medical bills, legal fees, and settlements when your business is found responsible for injury or damage, especially in common scenarios like these.

Slips, Trips, and Icy Sidewalks

When temperatures drop, damp leaves and early frost can quickly turn entryways into hazards. The average premises-liability verdict in the U.S. exceeds $640,000, with a median around $98,000. Even a single fall-related lawsuit can strain a small business without proper liability coverage.

Holiday Crowds and Black Friday Liability

Seasonal sales and extended hours mean higher foot traffic—and higher risk. During events such as Black Friday or holiday pop-ups, injuries caused by overcrowding or neglected maintenance can trigger costly lawsuits.

Commercial general liability insurance and additional insurance like commercial umbrella coverage can safeguard your business from these seasonal surges in exposure.

Product Knockoffs and Advertising Theft

As the holiday retail season ramps up, so does competition—and sometimes imitation. Businesses often face copyright or trademark disputes when competitors copy product designs, holiday campaigns, or slogans.

Business liability insurance and professional liability insurance can help cover the costs of legal defense if your company faces claims of intellectual-property infringement or needs to pursue damages against counterfeiters.

What Does General Liability Insurance Cover?

Even the most careful small business owners can face accidents or claims that fall outside their control. Commercial general liability insurance coverage (CGL) provides financial protection when your business causes—or is accused of causing—harm to others.

Here’s how that protection breaks down:

Bodily Injury and Property Damage

When accidents happen, general liability insurance helps cover the costs of medical expenses, repair work, and legal claims related to physical injury or property damage.

If a customer trips over decorations or your delivery driver damages a client’s property, this coverage provides the financial support your business needs to recover smoothly.

Personal and Advertising Injury

Mistakes in advertising, like using unlicensed content or a competitor’s slogan, can spark lawsuits. This coverage addresses the legal defense and potential settlements related to libel, slander, or copyright infringement.

Legal Defense and Settlement Costs

Even baseless claims can drain your resources. General liability coverage covers attorney fees, court costs, and settlement payments, allowing your business to maintain financial stability and focus on operations.

When Property Insurance Isn’t Enough

Many business owners assume commercial property insurance is enough to protect them. But while property coverage pays for physical damage like fires, storms, or theft, it doesn’t address the financial consequences of lawsuits or third-party claims.

Commercial general liability insurance provides broader protection. It safeguards your business from the financial impact of injury claims, reputational damage, and legal disputes.

The Real Cost of Liability Claims for Small Businesses

While property damage can usually be repaired, the financial fallout from a liability claim can last far longer. Recent studies show that litigation and settlement expenses for small businesses have surged sharply in the past decade.

According to the U.S. Chamber Institute for Legal Reform (2023), small businesses account for nearly $160 billion in commercial tort costs each year, despite generating only about one-fifth of total U.S. business revenue. For companies with under $1 million in annual revenue, the per-dollar impact of lawsuits is seven times higher than that of larger firms.

And the risk is widespread:

Roughly 43 % of small businesses face a legal threat or lawsuit at least once during their lifetime.
Average litigation expenses range from $50,000 to $200,000+ per case, depending on complexity and duration.
Liability claim costs across the U.S. have increased by 57% in the past decade, driven by higher jury awards and defense costs—what insurers now call social inflation.

Even one claim can strain a company’s finances, especially during the busy holiday season when client traffic and community events increase. A well-structured business liability insurance policy helps absorb those costs and preserve your business’s financial stability.

Expanding Protection Beyond the Basics

General liability insurance is the cornerstone of a strong business insurance portfolio, but it’s rarely the only protection you need. Every business faces unique exposures that extend beyond slips and falls. A layered insurance strategy provides comprehensive coverage across your operations, including additional insurance tailored to your business’s unique exposures.

Here are additional policies that reinforce your protection:

Professional Liability Insurance

Protects against claims of negligence, missed deadlines, or errors in professional services that cause financial loss to clients.

Cyber Liability Insurance

Shields your business from data breaches, phishing scams, and cyberattacks—risks that rise during the fall and holiday e-commerce seasons.

Employment Practices Liability Insurance (EPLI)

Covers claims from employees alleging harassment, discrimination, or wrongful termination, which can spike during seasonal hiring cycles.

Commercial Umbrella Insurance

Provides an extra layer of business liability insurance above the limits of your existing policies. If your general liability or commercial auto limits are exhausted during a large claim or lawsuit, commercial umbrella insurance can help cover the costs that exceed those limits.

This type of coverage offers peace of mind when operating in higher-risk industries or hosting public events.

Why Choose Pepper, Johnstone & Company

Not all insurance agencies work the same way. As an independent insurance agency, Pepper, Johnstone & Company partners with top-rated insurance companies like Travelers, The Hartford, and Chubb to deliver customized, forward-looking solutions instead of one-size-fits-all policies.

Our consultative approach begins with a complete risk review. We identify vulnerabilities, evaluate your operations, and design a policy that balances coverage and cost efficiency. Whether you manage a single storefront or multiple locations across the country, we help you protect your business with confidence—today and through every season.

Frequently Asked Questions About General Liability Insurance

Before selecting coverage, it helps to understand what general liability insurance can—and can’t—do for your business. Here are answers to the most common questions small business owners ask:

Does business liability insurance cover employees?

Not exactly—but it can cover what your employees do. General liability insurance doesn’t pay for injuries employees suffer themselves (that’s what workers’ compensation is for). However, if an employee’s actions cause harm to a third party—say, damaging a client’s property or even physically injuring a customer—your business could be held liable.

In those cases, your general liability insurance coverage may help cover the costs of legal defense, medical expenses, or settlements, depending on the circumstances and exclusions in your policy. For intentional or criminal acts, like an employee assaulting someone, coverage is far less likely—but if your business is sued because you failed to supervise or train that employee properly, liability protection can still apply.

How much does general liability insurance cost for small businesses?

Costs vary by industry, location, and claims history. On average, small business owners pay between $400 and $1,000 per year for basic coverage.

Do I need both property and liability insurance?

Yes. Property insurance protects your physical assets, while liability insurance protects against financial loss from lawsuits or injury claims.

The right type of coverage depends on your business’s size, industry, and risk exposure, but every company benefits from having general liability protection at its foundation.

Protect Your Business Before the Season Ends

Accidents don’t wait for the holidays. Before the next busy season arrives, make sure your small business insurance coverage is comprehensive and current.

Call 866-381-5821 or request a general liability insurance quote online from the experienced insurance agents at Pepper, Johnstone & Company—your trusted partner in protecting small businesses nationwide.

AI and Insurance: Who’s Liable When Tech Gets It Wrong?

Tue, 23 Sep 2025 05:00:00 GMT

Artificial intelligence isn’t science fiction anymore. Today, it’s powering everything from chatbots in medical offices to predictive analytics in marketing firms. But what happens when AI makes a mistake? Who pays when a client sues over a financial loss caused by faulty algorithms or misguided advice generated by software?

These are the emerging questions at the crossroads of AI and insurance, and they matter for every business weaving smart technology into daily operations. The insurance sector, as a data- and technology-driven industry, faces both new challenges and opportunities as AI transforms how risk is managed and services are delivered. The evolving AI landscape is rapidly reshaping liability questions for the insurance sector, requiring fresh approaches and insights.

Key Takeaways

If AI influences your advice or decisions, you’re accountable for the outcome—this is AI in insurance territory.
General liability won’t help; you need errors and omissions (E&O) insurance (professional liability).
What is errors and omissions insurance? Protection for service mistakes, bad outputs, or missed deliverables.
What does errors and omissions insurance cover? Legal defense, court costs, and settlements for client claims. Tech E&O insurance is purpose-built for software/AI failures, and having the right coverage can provide a competitive advantage for businesses leveraging AI.

Why Insurance Matters in the Age of Artificial Intelligence

AI can help us do amazing things, but it’s not infallible.

There are potential risks associated with AI errors, including financial losses, reputational damage, and regulatory penalties. Managing these risks is essential for responsible AI adoption.

Consider a consulting firm that relies on predictive modeling software to guide client investments. If the model miscalculates and causes losses, the client may demand compensation. Or imagine that a healthcare practice’s AI scheduling software double-books a high-risk procedure, resulting in delays and potential patient harm.

The FTC has warned that companies deploying AI are still responsible for the accuracy and fairness of the technology they use, especially when it impacts consumers. This highlights the importance of data governance and data quality in responsible AI implementation.

That means liability ultimately lands on the business, specifically insurance companies, not the algorithm.

Traditional liability coverage often excludes these kinds of mistakes, especially when legacy systems and existing technologies complicate coverage, leaving many organizations exposed. That is, unless they secure professional liability insurance, commonly called errors and omissions (E&O) insurance.

Rising consumer expectations for accuracy, personalization, and seamless service are driving businesses to adopt AI, which increases the need for specialized coverage.

What Is Errors and Omissions Insurance?

At its core, E&O insurance protects businesses that provide advice, consulting, or tech services against claims of negligence, inaccurate advice, or professional mistakes. E&O insurance is a key part of the insurance value chain, providing protection for various business functions that are critical to an organization's success.

If a client sues, an E&O policy can help cover:

Legal fees and court costs
Claims processing expenses
Settlements or judgments
Defense costs, even if the claim proves groundless
Claims management

In short, E&O coverage acts as a financial backstop, so you don’t have to shoulder the full cost of litigation that could derail your operations. E&O insurance supports insurance operations by safeguarding against risks in core business activities.

As the demand for personalized service grows in the AI era, the importance of E&O coverage for protecting evolving business functions becomes even greater.

What Does Errors and Omissions Insurance Cover in Tech?

For technology-driven businesses, the scope of errors and omissions coverage is especially relevant. Depending on your policy, tech E&O insurance may help protect against:

Mistakes in software development or system implementation, including risks from AI tools and AI solutions
Inaccurate advice from professional services relying on AI, machine learning, or intelligent automation
Data breach liability involving confidential client information, high-quality data, or sensitive medical records
Failures in business operations caused by faulty algorithms, gen AI, large language models, natural language processing, or virtual assistants
Financial loss stemming from reliance on erroneous outputs from AI models, language models, or agentic AI systems
Liability arising from customer service operations powered by AI technologies or AI agents
Risks associated with scaling AI, scaling AI, and deploying new AI applications
Losses related to AI investments, cloud computing infrastructure, or efforts to enable AI
Errors in risk assessment, data points analysis, or integration of existing processes and existing technologies
Issues with operating models, business models, or changes in operating models due to AI adoption
Claims related to customer experience, customer engagement, or customer interactions driven by AI
Intellectual property disputes involving proprietary AI systems or solutions
Challenges faced by insurance carriers, insurance companies, or many insurers in the evolving insurance market and insurance industry
Failures in fraud detection, particularly those involving falsified medical records or misuse of AI tools
Loss of competitive edge or inability to deliver significantly more value by leveraging AI
Misalignment among key stakeholders during AI implementation or transformation
Problems with customer experiences or adapting to new customer expectations

This protection goes beyond general liability, which primarily covers bodily injury or property damage. Tech E&O closes the gap for intangible risks that are increasingly common in a digital-first economy.

Professional Liability Insurance vs. Errors and Omissions Insurance

Professional liability insurance and errors and omissions (E&O) insurance are two names for the same type of coverage.

The term “professional liability” is more common in industries like medicine, law, and accounting, where it’s sometimes called malpractice insurance. “Errors and omissions insurance” is the label most often used in technology, consulting, marketing, and financial services.

No matter what you call it, both protect businesses from claims of negligence, misrepresentation, mistakes, or failure to deliver professional services.

Professional Liability Insurance

Common industries: Medicine, law, architecture, accounting
What it covers: Claims of negligence, malpractice, misrepresentation, failure to deliver services
Note: Often referred to as malpractice insurance in healthcare and legal fields

Errors & Omissions (E&O) Insurance

Common industries: Technology firms, consultants, financial advisors, marketing agencies
What it covers: Mistakes in advice, software errors, inaccurate forecasts, failures in professional services
Note: Common term in tech and business services industries

Both

Common industries: Any business providing professional services
What it covers: Legal fees, court costs, settlements, defense expenses, compensatory damages
Note: They are the same type of coverage, though some insurance providers may structure the policies slightly differently or include varying coverage limits and exclusions.

Specialized Liability Risks by Industry

AI is becoming standard across industries, which means liability risks are spreading, too. In AI-driven insurance operations, historical data and risk assessment are increasingly used to analyze and manage these emerging risks.

Startups and tech consultants: Algorithms that fail to deliver promised results can impact business functions and the insurance value chain, especially when critical data points are missed.
Marketing firms: AI-generated campaigns producing misleading claims may affect customer experiences and expose the insurance company to liability, particularly those operating in highly regulated sectors.
Medical offices: Misfiled or mishandled patient data due to AI-driven systems can disrupt insurance operations and create risk for the insurance sector as a whole.
Financial advisors: Automated tools produce inaccurate forecasting, raising risk assessment challenges for the insurance company and the broader insurance sector.

Each scenario can spark errors and omissions claims that demand defense, settlement, and in some cases, ongoing monitoring of compliance.

Real-World Scenarios

The following examples may involve big-name companies, but they set a precedent, and small businesses are just as much at risk. Without the right coverage, any business dealing with AI could face devastating out-of-pocket costs. Gen AI is increasingly a factor in these scenarios, driving new capabilities and risks across industries.

Air Canada’s chatbot case (2024): A Canadian tribunal ruled the airline liable after its website chatbot gave a traveler incorrect bereavement-fare information. The key point: you can’t blame “the bot”—the company owns what its AI says. Generative AI can assist customer service representatives by providing real-time information and support, but errors in AI-powered customer interactions can still lead to significant liability for the business.
Workday hiring-bias lawsuit(2024–2025): A federal judge let a proposed class action proceed, finding the AI vendor could potentially be held directly liable under anti-discrimination laws for screening tools that allegedly disadvantage protected groups. This case highlights how AI agents can automate decision-making in hiring, but also underscores the importance of aligning key stakeholders—including HR, legal, and compliance teams—when deploying such systems.
UnitedHealth AI-denial suit (2025): A judge allowed contract and good-faith claims to continue in a case alleging an AI model wrongfully curtailed seniors’ post-acute care. This underscores that insurance carriers remain accountable for decisions their algorithms influence, especially when AI models are used to automate claims and care determinations.
Tesla Autopilot verdict (Aug. 2025): A Miami federal jury found Tesla partially at fault in a fatal crash and awarded more than $240M, citing how the driver-assist system failed to prevent or warn of danger on a road it wasn’t designed for. The case demonstrates the role of an advanced AI system and agentic AI systems in autonomous vehicles, and the ongoing need for human intervention to ensure safety and accountability.

Bottom line for risk management: Judges aren’t accepting “the AI did it” as a defense. If AI touches client advice, pricing, eligibility, or safety, that risk still rolls up to the business, meaning your contracts, documentation, human oversight, and tech E&O/E&O/ E&O/professional liability strategy need to be tight.

Does General Liability Insurance Protect Against AI Mistakes?

No. General liability insurance is designed to address physical risks like bodily injury or property damage. It won’t step in when a client suffers financial loss from professional services or technology errors, which is why E&O insurance is a critical safeguard for firms using AI.

What Happens If a Client Sues Over an AI-driven Mistake?

With E&O coverage in place, and as part of the broader insurance value chain and insurance operations, you can file a claim with your insurance carrier to help cover defense costs, settlements, and related expenses.

Insurance carriers play a key role in providing this protection, which keeps your business operations steady and shields your balance sheet while the legal process plays out.

How Does the Underwriting Process Work for E&O Policies?

When underwriting an E&O policy, insurers take a close look at your business practices, client contracts, and past claims activity. Data governance, data quality, and access to high quality data are critical for accurate risk assessment and effective underwriting of E&O policies. Business models, operating models, the level of AI adoption, and existing processes are also considered during underwriting, as these factors influence operational risk and exposure. Strong risk management measures, such as clear documentation and compliance protocols, can help you secure more favorable terms and premiums.

What Kinds of Businesses Need E&O Insurance?

Any organization that provides professional services, advice, or technology solutions should consider E&O coverage. From startups and consulting firms to healthcare practices and marketing agencies, this protection helps ensure that one misstep or AI-generated error doesn’t turn into a financial crisis.

Many insurers in the insurance market and the broader insurance industry are increasing AI adoption, which makes E&O coverage even more important as technology-driven risks and exposures continue to evolve.

Protect Your Business from Emerging Risks

AI brings opportunities, but it also creates uncharted liability risks. With the right E&O insurance, you can innovate confidently, knowing your business has a safety net against mistakes, even those made by machines. E&O coverage can enable insurers to leverage AI for significantly more value and a competitive edge by supporting proactive management and optimization of distribution networks.

AI may introduce new risks, but it doesn’t have to put your business on unstable ground. At Pepper, Johnstone & Company, we tailor coverage for businesses at the intersection of technology and professional services. As an independent insurance agency, we work with multiple carriers to build solutions that fit your unique exposures.

Don’t wait for an AI-driven error to test your resilience. Contact Pepper, Johnstone & Company today to review your liability coverage and secure a policy that protects your future.

Get a Customized Insurance Quote for Unique Businesses Like Yours

Let Pepper, Johnstone & Company create comprehensive insurance coverage to fit your operations and safeguard against emerging liabilities. Call us today at 866-381-5821 or request a quote online to strengthen your protection before the next claim arises.

These are the emerging questions at the crossroads of AI and insurance, and they matter for every business weaving smart technology into daily operations.

Key Takeaways

If AI influences your advice or decisions, you’re accountable for the outcome—this is AI and insurance territory.
General liability won’t help; you need errors and omissions (E&O) insurance (professional liability).
What is errors and omissions insurance? Protection for service mistakes, bad outputs, or missed deliverables.
What does errors and omissions insurance cover? Legal defense, court costs, and settlements for client claims. Tech E&O insurance is purpose-built for software/AI failures.

Why Insurance Matters in the Age of AI

AI can help us do amazing things, but it’s not infallible.

The FTC has warned that companies deploying AI are still responsible for the accuracy and fairness of the technology they use, especially when it impacts consumers. That means liability ultimately lands on the business, not the algorithm.

Traditional liability coverage often excludes these kinds of mistakes, leaving many organizations exposed. That is, unless they secure professional liability insurance, commonly called errors and omissions (E&O) insurance.

What Is Errors and Omissions Insurance?

At its core, E&O insurance protects businesses that provide advice, consulting, or tech services against claims of negligence, inaccurate advice, or professional mistakes.

If a client sues, an E&O policy can help cover:

Legal fees and court costs
Claims processing expenses
Settlements or judgments
Defense costs, even if the claim proves groundless

In short, E&O coverage acts as a financial backstop, so you don’t have to shoulder the full cost of litigation that could derail your operations.

What Does Errors and Omissions Insurance Cover in Tech?

For technology-driven businesses, the scope of errors and omissions coverage is especially relevant. Depending on your policy, tech E&O insurance may help protect against:

Mistakes in software development or system implementation
Inaccurate advice from professional services relying on AI
Data breach liability involving confidential client information
Failures in business operations caused by faulty algorithms
Financial loss stemming from reliance on erroneous outputs

Professional Liability Insurance vs. Errors and Omissions Insurance

Professional liability insurance and errors and omissions (E&O) insurance are two names for the same type of coverage.

No matter what you call it, both protect businesses from claims of negligence, misrepresentation, mistakes, or failure to deliver professional services.

Professional Liability Insurance

Common industries: Medicine, law, architecture, accounting
What it covers: Claims of negligence, malpractice, misrepresentation, failure to deliver services
Note: Often referred to as malpractice insurance in healthcare and legal fields

Errors & Omissions (E&O) Insurance

Common industries: Technology firms, consultants, financial advisors, marketing agencies
What it covers: Mistakes in advice, software errors, inaccurate forecasts, failures in professional services
Note: Common term in tech and business services industries

Both

Common industries: Any business providing professional services
What it covers: Legal fees, court costs, settlements, defense expenses, compensatory damages
Note: They are the same type of coverage, though some insurance providers may structure the policies slightly differently or include varying coverage limits and exclusions.

Specialized Liability Risks by Industry

AI is becoming standard across industries, which means liability risks are spreading, too:

Startups and tech consultants: Algorithms that fail to deliver promised results.
Marketing firms: AI-generated campaigns producing misleading claims.
Medical offices: Misfiled or mishandled patient data due to AI-driven systems.
Financial advisors: Automated tools produce inaccurate forecasting.

Each scenario can spark errors and omissions claims that demand defense, settlement, and in some cases, ongoing monitoring of compliance.

Real-World Scenarios

Air Canada’s chatbot case (2024): A Canadian tribunal ruled the airline liable after its website chatbot gave a traveler incorrect bereavement-fare information. The key point: you can’t blame “the bot”—the company owns what its AI says.
Workday hiring-bias lawsuit (2024–2025): A federal judge let a proposed class action proceed, finding the AI vendor could potentially be held directly liable under anti-discrimination laws for screening tools that allegedly disadvantage protected groups.
UnitedHealth AI-denial suit (2025): A judge allowed contract and good-faith claims to continue in a case alleging an AI model wrongfully curtailed seniors’ post-acute care. This underscores that insurers remain accountable for decisions their algorithms influence.
Tesla Autopilot verdict (Aug. 2025): A Miami federal jury found Tesla partially at fault in a fatal crash and awarded more than $240M, citing how the driver-assist system failed to prevent or warn of danger on a road it wasn’t designed for.

Does General Liability Insurance Protect Against AI Mistakes?

What Happens If a Client Sues Over an AI-driven Mistake?

With E&O coverage in place, you can file a claim with your insurance carrier to help cover defense costs, settlements, and related expenses. This protection keeps your business operations steady and shields your balance sheet while the legal process plays out.

How Does the Underwriting Process Work for E&O Policies?

When underwriting an E&O policy, insurers take a close look at your business practices, client contracts, and past claims activity. Strong risk management measures, such as clear documentation and compliance protocols, can help you secure more favorable terms and premiums.

What Kinds of Businesses Need E&O Insurance?

Protect Your Business from Emerging Risks

Don’t wait for an AI-driven error to test your resilience. Contact Pepper, Johnstone & Company today to review your liability coverage and secure a policy that protects your future.

Get a Customized Insurance Quote for Unique Businesses Like Yours

Sources:

AP News: “Jury orders Tesla to pay more than $240 million in Autopilot crash case”
Federal Trade Commission: “FTC Announces Crackdown on Deceptive AI Claims and Schemes”
The Guardian: “Air Canada ordered to pay customer who was misled by airline’s chatbot”
Reuters: “Workday must face novel bias lawsuit over AI screening software”
Stat News: “Judge rules lawsuit over UnitedHealth’s AI care denials can move forward”

What Does Cyber Liability Insurance Cover in 2025?

Fri, 22 Aug 2025 05:00:00 GMT

At a Glance: Cybercrime targeting small businesses is rising, especially through phishing and social engineering scams. Cyber liability insurance and crime coverage help protect sensitive data, finances, and reputation from today’s most common cyber incidents and AI-driven fraud.

The New Face of Cybercrime

Cybercrime isn’t limited to large corporations or government agencies anymore. Increasingly, small and mid-sized businesses are the targets of sophisticated social engineering scams: cyberattacks that trick employees into sharing sensitive data or transferring funds.

With the rise of AI-generated phishing emails, spoofed vendor invoices, and fraudulent payment requests, the stakes have never been higher. For businesses operating with remote or hybrid workforces, the risks multiply. Distributed teams rely heavily on email, cloud storage, and third-party vendors, creating more entry points for cybercriminals.

That’s why technology insurance—particularly cyber liability insurance and crime coverage—has become a must-have for small business owners.

What Is Cybercrime, and Why Is It Growing?

At its core, cybercrime refers to any criminal activity carried out through digital systems, networks, or the internet. For small businesses, the most common threats include:

Phishing emails: Messages that impersonate trusted sources to steal login credentials or payment details.
Spoofing: Fake websites, email addresses, or phone numbers designed to trick employees into sharing sensitive data.
Invoice fraud: Fraudsters impersonate vendors or executives to trick employees into wiring money to the wrong account.
AI-driven scams: Artificial intelligence now enables attackers to create hyper-realistic emails, voice recordings, and even “deepfake” video instructions that fool unsuspecting staff.

Even the most cautious employee can fall victim to a well-crafted scam, which is why insurance protection is so critical.

Example of a phishing email

Cybercrime by the Numbers

In the U.S., the FBI’s Internet Crime Complaint Center reported over $16 billion in losses due to cybercrime in 2024, marking a 33% increase from the prior year.
Small business employees encounter 350% more social engineering attacks than those at larger enterprises.
Nearly half of all cyberattacks now target small businesses, and 60% of those attacked shut down within six months.
Deepfake-enabled executive impersonation (like fake video calls from “CEOs”) drove more than 105,000 attacks in the U.S. in 2024, with financial losses topping $200 million in just the first quarter.
One security expert notes that “1 in 2 small businesses will be hit by a cyberattack,” up from 1 in 5 just a few years ago.

What Does Cyber Insurance Cover?

Cyber liability insurance is designed to protect businesses when their digital defenses fail. Depending on your policy, coverage may include:

Data breach response costs (forensics, legal counsel, notifications, credit monitoring)
Regulatory fines and penalties (where permitted by law)
Business interruption losses caused by system downtime
Ransomware attack payments and negotiation support
Third-party liability claims if your breach impacts clients or vendors

In short, cyber liability insurance helps you recover quickly, cover costs, and protect your reputation when cybercrime strikes.

What Does Cyber Insurance Not Cover?

It’s just as important to know what cyber insurance for small businesses may not cover. Policies typically exclude:

Future profits lost beyond the covered interruption period
Upgrades or improvements to your IT systems post-breach
Fraudulent transfers not specifically included in your policy
Unreported incidents or those caused by intentional employee misconduct

This is where crime insurance often comes in. Crime coverage can bridge gaps by protecting against losses from employee dishonesty, social engineering scams, and fraudulent transfers—exposures that many standard cyber policies may not fully address.

Why Social Engineering Scams Demand Crime Coverage

When an employee clicks on a fraudulent email or follows instructions from a spoofed “CEO,” insurers sometimes classify the event as a voluntary transfer of funds. This scenario isn’t always covered by cyber liability alone.

Adding crime coverage to your protection plan helps safeguard your business against:

Fraudulent funds transfer requests
Vendor and supplier impersonation schemes
Payroll diversion scams
Check forgery and electronic funds theft

Together, cyber liability and crime insurance form a layered defense against the most damaging cyberattacks small businesses face today.

Protecting Your Business in the Age of AI Scams

At Pepper, Johnstone & Company, we understand that small businesses face the same cyber risks as Fortune 500 companies, often without the same resources to respond. As an independent insurance agency, we partner with top-rated carriers to craft customized cyber liability and crime insurance policies that address your real-world exposures.

From phishing and spoofing to AI-generated invoice fraud, our team helps you identify vulnerabilities, secure the right coverage, and build confidence in your ability to withstand today’s most advanced scams.

Don’t Wait Until It’s Too Late: Get an Insurance Quote Today

Social engineering attacks are on the rise, and cybercriminals are getting smarter. The best time to review your coverage is before the next phishing email lands in your inbox.

Contact Pepper, Johnstone & Company today at 866-381-5821 or request a quote online. Let us help protect your small business from the costly risks of cybercrime.

Sources:

Reuters: “FBI Says Cybercrime Costs Rose to at Least $16 Billion in 2024.”
StrongDM: “35 Alarming Small Business Cybersecurity Statistics for 2025.”
Electro IQ: “Small Business Cyber Attack Statistics and Facts (2025).”
The Wall Street Journal: “AI Drives Rise in CEO Impersonator Scams.”
Midland Reporter-Telegram: “Small Businesses Are Especially Vulnerable to Cybercrime, Expert Says.”

Extreme Heat & Workers’ Comp: Know Your Coverage

Mon, 28 Jul 2025 14:39:04 GMT

When summer temperatures climb into the triple digits, outdoor workers face more than discomfort. Climate-related illnesses like heat exhaustion and heat stroke have become urgent safety concerns for roofers, landscapers, agricultural laborers, and construction crews alike. In this rising heat, both general liability insurance and workers' compensation coverage are essential to keep businesses protected and workers safe.

At Pepper, Johnstone & Company, we understand how climate-related risks shape liability exposures in outdoor industries. Business owners in these industries must be proactive about mitigating risks—and prepared with the right insurance coverage when health and safety are compromised on the job. Let’s take a look.

The Real Threat: Heat Illnesses in Outdoor Work

Extreme heat poses serious health risks for outdoor workers, far beyond simple discomfort. Extreme heat can lead to heat exhaustion, heat stroke, and dehydration—each posing significant dangers. OSHA reports thousands of occupational heat-related illnesses each year, with outdoor workers facing the greatest exposure.

Common conditions include:

Heat exhaustion, leading to dizziness, nausea, and confusion
Heat stroke, a medical emergency that can cause organ failure
Dehydration, which affects physical performance and cognitive function

It’s the employer’s responsibility to reduce the risk of work-related injury through proper hydration, training, shaded breaks, and safe scheduling. But even when every precaution is followed, some incidents will still occur. That’s where insurance matters most.

What Does Workers’ Comp Cover?

When a worker suffers a heat-related illness on the job, workers’ compensation benefits can help cover medical costs, lost wages, and rehabilitation. If an injury or illness is directly related to working conditions, it’s likely eligible for a workers’ comp claim under your policy.

Workers’ comp benefits generally include:

Medical bills, from emergency treatment to follow-ups
Wage replacement, for time spent recovering
Rehabilitation, including physical therapy or specialist care
Disability benefits, if the injury leads to long-term impairment
Death benefits, in rare fatal cases

Does Heat Exhaustion Fall Under Workers' Comp?

Yes—if it’s a result of job duties or working conditions, heat exhaustion is usually a valid claim. Employers should document working environments carefully and respond promptly to any reported symptoms. Training workers to recognize early warning signs is one of the best ways to prevent escalation and protect the team.

A robust workers' compensation policy makes the process of receiving benefits, getting care, and making a recovery smoother for both the employee and the business.

Does Workers’ Comp Pay for Pain and Suffering?

No. The workers’ compensation system is designed to provide financial relief for injured workers in terms of tangible costs, like medical care and lost wages, until they can return to work. But it doesn’t cover emotional distress, discomfort, or other non-economic damages.

The Role of Liability Insurance

Workers' compensation protects employees. Liability coverage protects the business when others are affected. For instance, if a third-party vendor or site visitor suffers a heat-related incident on your property or jobsite, your company could face legal or medical claims.

General liability insurance can help cover:

Bodily injury claims from non-employees
Legal defense costs and settlements
Medical expenses for those injured due to company negligence

In industries that operate outdoors or around heat-generating equipment, liability exposure rises with the temperature. A combined insurance strategy helps address both employee-focused and third-party risks.

Tailored Coverage from Pepper, Johnstone & Company

Outdoor work comes with exposure to unpredictable variables, including extreme weather. At Pepper, Johnstone & Company, we help construction firms, landscapers, agricultural clients, metalworkers, and more secure protection that meets their specific risk profile. Our consultative approach allows us to build custom insurance strategies based on your real working conditions.

When you’re ready to review how your liability insurance holds up in the face of climate-related claims, we’re ready to help.

Don’t Wait for the Heat to Strike—Contact Our Team Today

Take action before the next heat wave hits. Call Pepper, Johnstone & Company at 866-381-5821 or request a quote online. Our team will help you navigate the risks of outdoor work and build a policy that protects both your people and your business.

Workers’ Comp 101: What Every Employer Needs to Know

Mon, 30 Jun 2025 05:00:00 GMT

Every business owner wants a thriving, productive workplace. But when accidents happen—and they do—workers’ compensation insurance can make the difference between a temporary setback and a major disruption.

At Pepper, Johnstone & Company, we help businesses across industries and across the nation protect what matters most: their people and their operations.

After all, workers’ compensation and liability insurance are more than just regulatory boxes to check. They’re one of the most critical tools in your risk management strategy.

What Business Owners Are Asking About Workers’ Compensation

Let’s take a closer look at how workers’ comp works, what workers’ compensation insurance covers, and how to approach it proactively to protect your business, support your employees, and control costs.

What is Workers’ Compensation Insurance?

We tend to think of workers’ compensation insurance as something that just protects workers. However, it’s designed to protect both employers and employees when a workplace injury or illness occurs. In most states, it’s required by law once you reach a certain number of employees, but the benefits go well beyond compliance.

How Does Workers’ Comp Work?

If an employee is injured on the job or develops a work-related illness, workers’ compensation insurance helps cover medical treatment, lost wages during recovery, and even rehabilitation costs. In exchange, it typically limits the employee’s ability to sue the employer for damages related to the incident.

In this way, workers’ compensation benefits are designed to provide a financial safety net for injured employees while also protecting the business from litigation. This protection allows business owners to focus on continuity while providing injured workers with the support they need to recover.

What Does Workers’ Compensation Cover?

Your exact coverage depends on the policy, but most workers’ compensation insurance includes:

Medical care: Doctor visits, hospital stays, prescriptions, and surgery
Rehabilitation: Physical therapy, occupational therapy, or vocational retraining
Wage replacement: A portion of lost wages while the employee recovers
Disability benefits: For temporary or permanent impairment
Death benefits: Funeral costs and support for surviving dependents

Workers’ compensation insurance covers these essential areas so you can provide meaningful support while keeping your business on track.

It’s also worth noting that workers’ compensation can protect your business from costly litigation, especially in high-risk industries like construction, metalworking, and logistics.

Do I Need Workers’ Comp Insurance?

If you employ people, the answer is almost certainly yes. Most states require businesses with even a single employee to carry workers’ compensation coverage. Texas is the only state that doesn’t mandate it, though the specific requirements laid out in other state laws vary.

But beyond legal obligations, the real question is: Can your business afford to be without it?

Small businesses, sole proprietors, and even some independent contractors may wonder if they’re required to carry workers’ compensation insurance. The answer depends on your state’s workers’ compensation law, the nature of your business, and how many people you employ.

That said, even when the requirements are limited, carrying robust workers’ compensation insurance is often a good idea to protect your livelihood and limit liability.

A single claim could cost tens of thousands of dollars, plus legal fees, reputational damage, and lost productivity. Workers’ comp helps prevent these worst-case scenarios and demonstrates that you value your team’s safety and well-being.

How to Get Workers’ Compensation Insurance

If you’re a business owner, you’ve got a lot on your plate. Thankfully, the process of obtaining workers’ comp insurance is simpler than you might think.

Work with an independent agent. At Pepper, Johnstone & Company, we work with top-rated insurance companies to compare options and tailor your policy to your unique industry risks.
Evaluate your workforce. We’ll help you understand your exposures based on job roles, locations, and any past claims history.
Build a package. Workers’ comp can be bundled with other business coverages like general liability, commercial auto, or an umbrella policy for broader protection.

Proactive Strategies for Managing Claims and Controlling Costs

Claims are costly—both in dollars and in downtime, morale, and operational impact. Fortunately, there are ways to manage them proactively:

Promote a safety-first culture: Clear procedures, PPE training, and hazard assessments go a long way in preventing accidents.
Create a return-to-work program: Structured support for modified duties or phased reintegration helps reduce lost time claims.
Investigate incidents promptly: Document everything and take steps to prevent repeat events.
Review your claims regularly: Patterns in timing, departments, or injury types may signal a deeper issue.

Workers’ compensation insurance costs can fluctuate based on your claim history, workforce size, and industry risk level. That’s why it’s smart to take a proactive approach to workplace safety and policy management.

Partner with Pepper, Johnstone & Company

You don’t have to navigate the complexities of workers’ compensation alone. As an independent insurance agency, Pepper, Johnstone & Company works for you, not the insurance carriers. We’ll help you find the right coverage, mitigate your risks, and advocate for your business every step of the way.

Whether you’re hiring your first employee or reviewing your current policy for better rates and protections, we’re here to guide you through it.

Get the Protection Your Business Deserves

Workers' compensation insurance is a legal requirement in most cases, but more importantly, it’s a smart investment in your business and your people. To learn more about workers’ comp benefits or build a plan tailored to your needs, request a quote today or call us at 866-381-5821.