Source: Auto-Owners Insurance – Professional Services
Auto-Owners Insurance: Professional Services Insurance Appetite
Auto-Owners offers a straightforward professional services program with competitive pricing. Their E&O covers standard consulting and advisory professions, and the BOP handles the office exposure well. Not as feature-rich as Chubb or Hiscox, but hard to beat on price in the Midwest. Best for small professional firms that want competitive coverage without complexity.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Professional Liability (E&O) |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$900-$6,000
Typical annual premium
Target States
26 states (Midwest and Southeast)
Key Features
- E&O for consultants, accountants, and standard advisory professions
- BOP with broad office coverage at competitive rates
- Workers' comp with low rates for clerical operations
- Simple quoting process with minimal documentation required
- Low minimum premiums for solo practitioners
Limitations
- Attorneys, architects, and engineers need specialty E&O
- Available in only 26 states
- Financial advisors and investment managers require separate programs
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