Coverage should fit the business, profession and exposures.
Essential Services works with a broad mix of businesses and professionals. The examples below show the types of clients the agency can evaluate; market availability and eligibility vary by risk.
Professional services require their own questions.
Professional liability varies by the service being provided, the contracts being signed and the consequences of an alleged error.
Doctors & Healthcare Practices
Coverage can address professional liability plus the business risks of running a practice.
Law Firms & Attorneys
Professional liability and business coverage for eligible legal practices.
Consultants & Advisors
E&O and business insurance for firms paid for advice, expertise or project work.
Accountants & CPAs
Professional liability and business protection for accounting, tax and advisory firms.
Technology & IT Firms
Technology E&O, cyber and business coverage for eligible digital-service firms.
Architects, Engineers & Design Professionals
Professional and business coverage for eligible design and technical-service firms.
Examples of businesses Essential Services can help evaluate.
This is intentionally not an exhaustive list. If your business is not shown, the agency can still review the exposure and determine whether an appropriate market is available.
Real Estate & Habitational
Property and liability programs for owners, managers and real-estate operations.
Construction & Trades
Coverage for contractors and trades with jobsite, vehicle, tool, workers’ comp and contract exposures.
Restaurants & Hospitality
Property, liability and specialty coverage for food, beverage and hospitality operations.
Manufacturing, Wholesale & Distribution
Property, product, equipment, supply-chain and liability coverage for operations that make or move goods.
Retail & Service Businesses
Business packages for eligible storefront, customer-facing and service operations.
Transportation & Fleet Risks
Commercial auto and related protection for businesses with drivers, vehicles or delivery exposure.
Nonprofit & Community Organizations
Liability, D&O, employment, property, events and other coverage for eligible mission-driven organizations.
Specialty & Hard-to-Place Risks
Access to specialty and surplus-lines markets can help when a risk does not fit standard carrier appetite.