Coverage for firms whose product is judgment.

When your deliverable is advice, design, code, or counsel, your real exposure is a client claiming your work fell short. We build professional programs around E&O first — then layer the office, cyber, and management coverage that completes the picture.

Coverage built for this industry

Professional Liability (E&O)

Defense and damages when a client alleges your work caused them financial harm — matched to your services, contracts, and revenue.

Cyber Liability

Breach response, client notification, ransomware, and funds-transfer fraud — the claim scenario growing fastest for service firms.

Office Package / BOP

Premises liability and property for offices, studios, and co-working setups — inexpensive, and usually required by your lease.

Management Liability (D&O / EPLI)

Directors & officers and employment-practices coverage as the firm grows past founders — hiring is when EPLI exposure starts.

Hired & Non-Owned Auto

The overlooked exposure when employees drive their own cars to client sites — your firm gets named in their accident.

Fidelity & Crime

Employee dishonesty and social-engineering fraud coverage — increasingly demanded in client contracts and vendor onboarding.

How Geneva works this class

Contract-driven limits

Client MSAs increasingly dictate your insurance. We read the requirement, quote to it, and supply the certificate language procurement actually accepts.

E&O markets by discipline

A marketing agency, an IT consultancy, and a financial advisor need different E&O forms from different carriers. We place by discipline, not by a generic “professional” class.

Cyber that pays claims

Cyber policies vary wildly in what they actually cover. We compare forms on breach response, social engineering, and business interruption — the clauses that decide real outcomes.

Growth-stage flexibility

Headcount doubles, a big client demands $2M limits, you add a second entity — we restructure mid-term without making you start over.

Frequently asked questions

My client requires $1M/$2M in E&O. What will that cost?

For most small service firms, $1M E&O runs roughly $900–$3,000 a year depending on discipline, revenue, and claims history. Tech and financial-services E&O price higher than general consulting. We quote it alongside cyber, since carriers often package the two at better combined pricing.

Do I really need cyber insurance if I don’t store card data?

If you hold any client data, use email, or invoice electronically, you have cyber exposure — funds-transfer fraud and ransomware hit service firms constantly. Standalone cyber for a small firm often costs less than $1,000 a year.

Does my LLC protect me without insurance?

An LLC separates personal assets from business liabilities, but it doesn’t pay your legal defense — and professional claims name individuals routinely. E&O is what funds the defense; the LLC is what limits the blast radius. You want both.