FAQs

Yes. Standard liability forms exclude or sublimit abuse and molestation claims, and coverage is added by endorsement with a screening and supervision condition. A minor’s own waiver can be ...

Tell us your deadline and the limits the contract requires. Some coverage we can write directly and quickly. Other placements go to underwriting for approval, and those take longer. ...

No. A well-drafted release can bar a claim for ordinary negligence, but Civil Code 1668 and City of Santa Barbara v. Superior Court (2007) mean it cannot bar gross ...

Many solo consultants start with professional liability and a BOP. Workers’ comp generally applies only once you have employees.

No. A claim that a client lost money on your advice is not bodily injury or property damage, so the general liability form does not reach it. Insurers also ...

Usually not. Most firms combine a BOP with separate professional liability, cyber, and workers’ comp coverages.

Clients often want assurance that if a dispute arises, there is coverage behind your work. Many contracts specify a minimum limit before the engagement can start. ...

Generally yes. In California, workers’ compensation is typically required once you have any employees, including seasonal staff.

Often yes. Bookkeeping errors can still cause a client financial harm, and general liability typically will not respond to those claims.

It frequently is. Small firms hold the same sensitive data as large ones and are often targeted precisely because defenses may be lighter.