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Professional liability

Your wholesale partner

Professional liability solutions for the wholesale market

Our professional liability solutions from Ironshore for the wholesale market help protect businesses and their employees against lawsuits that arise from accusations of administrative errors, poor performance, incorrect advice, and more.

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  • Cyber

    Our cyber liability solution, Data Insure, from Ironshore provides critical first- and third-party protection against a variety of network security and privacy exposures due to ransomware, malware, data breaches, social engineering, and more.

    Coverage highlights:

    • Notifying individuals of a data breach and providing credit monitoring services
    • Complying with regulatory proceedings, fines, and penalties
    • Lost revenue due to network loss
    • Restoring data and network equipment
    • Paying cyberextortion ransoms
    • Lawsuits alleging failure to protect customers’ information due to theft, unauthorized access, viruses, or denial of service attacks of your computer system
    • Lawsuits alleging acts such as libel, slander, defamation, invasion of privacy, and copyright infringement
    • Unintentional breach of a written contract
    • Unauthorized collection
    • Full limits for bricking incidents
    • Complimentary access to risk-management portal operated by ePlace Solutions


    Optional coverages:

    • System and dependent failure
    • Social engineering
    • Funds transfer fraud
    • Invoice manipulation
    • Reputational harm
    • Voluntary shutdown
    • Cryptojacking

    Get in touch

    Want to know more about what we can do for you? Contact a member of our wholesale team today.

    Leslie Perkins

    National Wholesale Manager
  • Designers and contractors professional liability

    Design-build contractors can face an array of liability risks in the course of providing professional services. Our designers and contractors professional liability (DCPL) solutions from Ironshore help protect design-build contractors against claims alleging defects or other mistakes while providing professional services.

    Coverage highlights:

    • Primary and excess limits: $5M for risks with $250M or less gross revenue
    • Protective and rectification coverages are available.

     

    Additional solutions:

    • Designers and contractors professional and pollution liability (DCP2). This coverage combines DCPL professional liability with contractors pollution liability available on a claims made or occurrence basis.
    • Owners protected and professional indemnity (OPPI). Offers added protection to the owner over the design professionals’ or contractors’ professional liability policies. OPPI policies help safeguard project owners against damages resulting from first- and third-party claims of negligence when the design professionals’ or contractors’ primary policies are unable to respond fully to a judgment because of exhausted or insufficient limits of insurance.
    • Project-specific professional liability coverage. This policy provides dedicated limits for the design team and/or the design-build contractor.

     

    Target classes:

    • Preferred practice classes: civil contractors, communication contractors, electrical contractors, HVAC/mechanical contractors, commercial general contractors
    • Selective practice classes: machines/equipment contractors, process engineers/contractors, soil and geotech contractors, structural contractors, residential general contractors
    • Preferred project types: municipal, manufacturing/industrial hospitality, institutional, apartments, retail and commercial, infrastructure (roads/bridges/rail)
    • Selective project types: heavy civil, convention centers, stadiums, arenas, oil and gas downstream, casino and resorts, residential

    Get in touch

    Want to know more about what we can do for you? Contact a member of our wholesale team today.

    Donna M. Hunt

    AVP, Designers & Contractors Professional Liability, Ironshore

    Boston, MA

    Will Hornsey

    Underwriting Officer, Designers & Contractors, Wholesale

    Spring City, PA

  • Lawyers professional liability

    Our lawyers professional liability insurance solutions from Ironshore help protect law firms, attorneys, and their staff from claims alleging errors, omissions, or other wrongful acts in providing legal services to clients. We provide coverage to more than 100,000 lawyers, many of whom are included on the 2020 Am Law 100 report.

    Primary coverage highlights:   

    • Capacity up to $15M
    • Duty to defend policy with ability to write on an indemnification basis
    • Insureds include all past and current attorneys, as well as all part–time, temporary, and contract attorneys for services performed for the named insured
    • Worldwide coverage

     

     Excess coverage highlights: 

    • Capacity up to $15M
    • All areas of practice considered

     

    Target classes:

    • Law firms and in-house corporate counsel (employed lawyers product also available)
    • Minimum of 50 attorneys

     


    Get in touch

    Want to know more about what we can do for you? Contact a member of our wholesale team today.

    Leslie Perkins

    National Wholesale Manager
  • Miscellaneous professional liability

    Our miscellaneous liability insurance solutions from Ironshore help protect professional service providers and their employees from claims alleging wrongful acts, errors, or omissions in the course of their work.

    Coverage highlights:    

    • Coverage tailored to meet the unique needs of each service provider
    • Primary capacity up to $20M
    • Excess capacity up to $20M
    • Insureds include independent contractors
    • Punitive damages coverage
    • Personal injury torts
    • Supplemental payments, including pre-claims assistance
    • Spousal and domestic partner liability
    • Worldwide coverage

     

    Optional coverages:

    • Contingent bodily injury/property damage
    • Copyright or trademark infringement coverage
    • Claims expenses outside the limit

     

     Target classes:

    • Accountants (excess only)
    • Claims adjusters
    • Compliance consultants
    • Executive/employee search firms
    • HR consultants
    • Insurance agents and brokers (MPL-FI)
    • Management consultants
    • Marketing firms
    • Real estate agents and brokers (representing buyers/sellers of residential or commercial properties)

    Get in touch

    Want to know more about what we can do for you? Contact a member of our wholesale team today.

    Leslie Perkins

    National Wholesale Manager
  • Technology professional liability

    Our Tech Insure solution from Ironshore helps protect technology businesses against claims related to errors, omissions, network and privacy security, and other professional and cyber liability exposures.

    Coverage highlights:     

    • Technology errors and omissions
      • Technology wrongful acts include:
        • Unintentional breach of contract
        • Coverage for technology services and technology products
        • Copyright infringement (including software copyright
      • Coverage for outstanding fees owed to the insured
    • Miscellaneous professional liability
      • Coverage for intellectual property infringement
      • Carve back to breach of contract exclusion arising out of professional services
    • Privacy and network security liability
    • Media liability
    • Regulatory proceedings, fines, and penalties
    • Privacy breach expenses
    • Network asset loss
    • Ransomware and network extortion threat
    • Business interruption
    • Dependent business interruption
    • Worldwide coverage
    • Primary or excess coverage available
    • Complimentary access to risk-management portal operated by ePlace Solution

     

    Optional coverages:

    • System and dependent failure
    • Social engineering
    • Funds transfer fraud
    • Invoice manipulation
    • Reputational harm
    • Voluntary shutdown
    • Cryptojacking

    Get in touch

    Want to know more about what we can do for you? Contact a member of our wholesale team today.

    Leslie Perkins

    National Wholesale Manager

Our claims response

From the moment a claim is filed, our customers feel the difference in our approach. Our claims professionals work closely with the underwriters who develop our insurance programs, so they have a deep understanding of our customers’ operations and the risks they face.   

When you work with us, you’ll benefit from a dedicated team with in-depth experience investigating, evaluating, and resolving professional liability claims.  

Add ongoing training, highly experienced senior claims leaders, and a culture that promotes proactive decision making and you get professionals who are empowered to resolve claims quickly and with each customer’s best interests in mind.  

This website is intended to be informational and is solely for the use of properly licensed insurance professionals.  Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation.  The products and services described may not be available in all states or jurisdictions.  See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and insureds are therefore not protected by such funds. Coverage may only be obtained through duly licensed surplus lines brokers.