Source: BTIS — Professional Liability Programs
BTIS: Professional Services Insurance Appetite
Professional liability is one of BTIS's core strengths alongside contractors. Their access to multiple E&O carrier partners means they can often find coverage for professional classes that individual carriers decline or price uncompetitively. BTIS is particularly useful for placing E&O for niche professional services — think home inspectors, IT consultants, or environmental consultants — where standard carrier appetite is limited. For mainstream professional services like accounting and engineering firms, quote BTIS alongside CNA and Travelers to compare terms and pricing.
Available Lines
| Line of Business |
|---|
| General Liability |
| Professional Liability |
| Business Owners Policy (BOP) |
| Cyber Liability |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
All 50 states
Key Features
- Strong professional liability program with broad class code appetite
- Cyber liability coverage bundled or standalone through specialty carrier partners
- BOP packaging available for professional service firms needing GL and property
- Competitive E&O pricing for consultants, accountants, architects, and engineers
- Claims-made and occurrence forms available depending on the underlying carrier
Limitations
- Large law firms and financial advisors may need specialty professional liability markets
- Firms with over $10M in revenue may exceed BTIS program limits
- D&O coverage for professional service firms is generally not available through BTIS programs
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