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Professional Services Insurance

Insurance Protection for the Professionals Who Protect Others.

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Trust your professional protection to the local experts who have been serving your community since 1922.

Use the secure form below to request a confidential quote. We are committed to giving you the peace of mind to focus on your clients.

Specialized Coverage for Accountants, Consultants and Engineers in Central Ontario.

You work hard to provide your clients with your expertise and professional service. Let our insurance brokers advise you on your coverage options so that you can make sound business decisions. We help you identify your unique risks and eliminate coverage gaps to ensure that you have the best protection should the unexpected happen.

Professional Services insurance encompasses a broad portfolio of coverage options tailored to your unique needs from property coverage to errors & omissions insurance.

Insurance designed to protect you so you can focus on running your business.

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E&O Insurance - a Key Coverage for Professional Services

If your firm provides advice, recommendations, or specialized services, you are exposed to unique risks that standard Commercial General Liability (CGL) insurance won’t cover. Even a minor error or oversight can lead to a client accusing you of negligence, misrepresentation, or failure to deliver a service as promised.

This risk is a reality for professional service firms. Errors & Omissions (E&O) claims frequency is increasing, driven by factors like increased workloads, staff turnover, and heightened client expectations. 

What E&O covers

Errors & Omissions (E&O) insurance—also called Professional Liability insurance—protects individuals and businesses if they’re accused of making a mistake, giving incorrect advice, or failing to deliver a professional service as promised. Even if you did nothing wrong, E&O insurance helps pay for legal defence costs, settlements, or court judgments, which can be significant.

In Ontario, E&O is especially relevant for professionals whose work relies on advice, expertise, or specialized services—such as consultants, accountants, engineers, IT professionals, real estate professionals, and insurance brokers. For some professions, it’s mandatory under provincial regulations or licensing bodies.

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Core Coverages for Professional Firms

Professional Service businesses require specialized protection to manage their liability, property and income risks.

1

Errors & Omissions (E&O) / Professional Liability

Covers the costs associated with defending your firm against claims alleging financial harm to a client due to a professional mistake, inaccurate advice, or missed deadline. Essential for accountants, consultants, and engineers.

2

Commercial General Liability (CGL)

Protection against claims of bodily injury or property damage that are not professional in nature—for example, if a client slips and falls in your office or a technician damages a building while servicing equipment.

3

Cyber Insurance

Protects against the high costs of a data breach, including notification, credit monitoring, forensic investigation, and regulatory fines. Essential for any firm that stores client or proprietary data.

4

Business Interruption (BI)

If a covered loss (like fire or major water damage) forces you to close temporarily, BI replaces the lost income and covers operating expenses (like rent and payroll) until you reopen.

5

Commercial Property & Equipment

Covers your office location (if you own or rent) and contents, including valuable equipment and furniture against fire, theft, or vandalism.

Talk to one of our Commercial insurance experts today.

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