Organize a firm's deliverables, systems and data, premises, workforce, and client contracts into distinct professional-services coverage paths.
Use this page to map a professional-services firm by its deliverables, systems and data, premises, workforce, and client contracts. Begin with the alleged or anticipated service error, then add the operational coverage paths that fit the firm.
Use professional liability for advice, work-product, and documentation-error questions.
Use cyber for data and incident questions, then BOP for the operating package.
Use the requirements guide when the coverage review began with a master services agreement or vendor clause.
These guides connect the coverage decisions below; use the questions to drill into a specific rule.
Before an accounting firm accepts work, its engagement letter, client-data terms, and office lease can each require proof of insurance. This guide explains what those documents request, what a certificate can prove, and what to check before signing. For liability exposures and potential claims, see pleasedontsue.us.
Read the guide →An architect’s insurance requirements arrive with the project: in the design agreement, site-access rules, consultant contracts, and office lease. This guide explains what each document can require, what proof to provide, and how to check the policy before work begins. For liability exposures and claims, see pleasedontsue.us.
Read the guide →A law firm needs to keep its malpractice coverage connected to prior work as partners join, leave, retire, or dissolve the firm. This guide explains that continuity, along with client, lease, and state requirements and the documents used to prove coverage. For liability exposures and claims, see pleasedontsue.us.
Read the guide →A managed service provider’s client contract usually asks for both technology errors-and-omissions coverage (technology E&O) and cyber coverage. This guide explains why the two are requested together, what a certificate proves, and what to verify before you send one. For liability exposures and claims, see pleasedontsue.us.
Read the guide →A miscellaneous professional liability policy only responds if its form mechanics line up with the work and the claim. This guide is the mechanics side: the claims-made trigger and the retroactive date that decide whether old work stays covered, the "professional services" definition that controls what work the policy answers, tail coverage at a practice change or retirement, the client contract that sets the demanded limit, and the certificate that evidences it. The liability side — who can sue and what is at stake — is on pleasedontsue.us.
Read the guide →A SaaS consultant often sees insurance requirements while completing a client agreement or vendor-onboarding form. This guide explains the policies and proof those documents commonly request, including how to check that a policy covers the software work you actually do. For liability exposures and claims, see pleasedontsue.us.
Read the guide →Calling a worker an independent contractor did not settle the question in this California wage case. The court used California’s ABC test, a three-part worker-classification rule, to decide whether drivers were covered by the wage order. That rule does not automatically answer every workers’ compensation or insurance question, which depends on the applicable law and facts.
General liability, E&O, D&O, and employment practices questions live on our sister publication: Professional Services on Please Don't Sue Us.