Specialty Lines
As your business grows, your exposure grows with it. Specialty lines protect you where general coverage leaves off.
Cyber Insurance
- Data breach response
- Ransomware & cyber extortion
- Business email compromise
- Network business interruption
Small businesses are now the preferred target for cybercriminals, precisely because they assume they’re too small to be one. Most don’t think about cyber insurance until after a breach.
What it covers
Cyber coverage responds to data breaches, ransomware, and business email compromise, paying for forensics, customer notification, legal counsel, regulatory fines, and the income you lose while systems are down. It pairs first-party recovery with third-party liability.
Who needs it
Any business that stores customer data, takes payments, or runs on email and cloud tools, which today means nearly all of them. Professional services, healthcare, retail, and anyone handling sensitive records carry real exposure.
A common misconception
Owners believe their IT provider or a general liability policy has them covered. General liability almost always excludes cyber, and your IT vendor’s protection rarely extends to your losses or your customers’ claims.
Errors & Omissions (E&O)
- Professional negligence
- Misrepresentation
- Failure to deliver
- Defense costs
You can do excellent work and still get sued for it. Errors & omissions insurance protects you when a client claims your service caused them a financial loss.
What it covers
E&O, also called professional liability, covers legal defense and damages arising from alleged mistakes, missed deadlines, bad advice, or failure to deliver as promised. It responds even when the claim is groundless.
Who needs it
Any business that gives advice or delivers a professional service for a fee: consultants, agencies, IT firms, real estate professionals, and contractors who design as well as build.
A common misconception
Owners think general liability covers professional mistakes. It covers bodily injury and property damage, not the financial harm a client claims from your work product or advice.
Directors & Officers (D&O)
- Wrongful acts
- Breach of fiduciary duty
- Regulatory defense
- Personal asset protection
The people who lead a company can be held personally liable for the decisions they make on its behalf. D&O insurance protects their personal assets, and the business, when those decisions are challenged.
What it covers
D&O responds to claims against directors and officers for alleged mismanagement, breach of duty, misrepresentation, or regulatory missteps. It covers defense costs and settlements that can otherwise reach a leader’s personal finances.
Who needs it
Any business with a board, investors, or formal governance, and increasingly, private companies raising capital or recruiting senior executives who expect this protection before they join.
A common misconception
Owners assume only public companies need D&O. Private and nonprofit organizations face suits from investors, employees, competitors, and regulators just as readily.
Employment Practices (EPLI)
- Wrongful termination
- Discrimination
- Harassment
- Retaliation
The moment you hire your first employee, you take on a new category of risk. EPLI protects your business against claims from the people who work for you.
What it covers
EPLI covers defense and damages for claims of wrongful termination, discrimination, harassment, retaliation, and related employment disputes, whether the allegation is proven or not. Defense costs alone can be substantial.
Who needs it
Every business with employees, full stop. Smaller employers are often more exposed, not less, because they rarely have dedicated HR or formal policies to head off a complaint.
A common misconception
Owners believe treating people well makes this unnecessary. Good intentions don’t prevent claims, and even a meritless suit carries real legal cost that this coverage is built to absorb.
Professional Liability
- Negligence
- Errors in professional service
- Standard-of-care disputes
- Defense costs
When clients rely on your expertise, the standard you’re held to is higher. Professional liability protects you when a client claims your professional work fell short and cost them.
What it covers
It covers legal defense and damages from claims of negligence, errors, or failure to perform professional duties to the expected standard of care. Coverage is tailored to the specific risks of your profession.
Who needs it
Licensed and expertise-driven professionals, accountants, architects, engineers, healthcare providers, consultants, and any firm whose advice or designs carry financial weight for clients.
A common misconception
Owners use ‘professional liability’ and ‘general liability’ interchangeably. They protect against entirely different things, one your advice, the other physical injury and property damage.
Not sure which of these you need?
A free consultation with Kristi takes 30 minutes and gives you a clear picture of where you stand, with no pressure and no pitch.
Ready to have someone in your corner?
Book a free consultation. We’ll walk through your business, identify the gaps, and build a strategy that actually fits.