StandardVerified Q1 2026
Source: Liberty Mutual – Professional Services Insurance
Liberty Mutual: Professional Services Insurance Appetite
Liberty Mutual is a solid middle-market option for professional services firms. Their strength is in the management liability suite – D&O, EPL, and fiduciary – which is valuable for growing firms with 20+ employees. For smaller firms that just need E&O and BOP, Hiscox or Nationwide may offer a simpler, more competitive package.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Professional Liability (E&O) |
| Workers' Compensation |
| Commercial Auto |
| Cyber Insurance |
| Umbrella/Excess |
Premium Range
$1,200-$8,000
Typical annual premium
Target States
All 50 states and DC
Key Features
- Professional liability for consulting, accounting, and advisory firms
- Cyber insurance with incident response and breach notification services
- Employment practices liability for firms with growing headcounts
- Directors and officers coverage for professional firms
- Fiduciary liability for firms managing employee benefit plans
Limitations
- Law firms and medical professionals need specialty E&O carriers
- Financial advisors and investment managers require separate programs
- Staffing companies with over 500 temporary employees need individual underwriting
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