PreferredVerified Q1 2026
Source: Guard Insurance Group – Professional Services
Guard Insurance Group: Professional Services Insurance Appetite
Guard handles the GL, property, and workers' comp side of professional services very well but does not offer E&O. Pair Guard's BOP with a standalone E&O from Hiscox or Hartford for a complete solution. Ideal for consulting firms, marketing agencies, and bookkeeping practices.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,000-$6,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- BOP designed for consultants, accountants, and small service firms
- Low minimum premiums starting around $500 for micro firms
- Workers' comp for office-based employees at clerical rates
- Flexible billing with monthly payment options
- Quick online quoting through agent portal
Limitations
- Professional liability (E&O) not available – must be placed separately
- Law firms, architects, and engineers are excluded from BOP
- Revenue cap of $5M for standard BOP eligibility
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