ARIA · loading
Professional liability, errors and omissions, covers financial harm caused by your professional work: the recommendation, the design, the calculation, the code. It is claims-made coverage, which means the retroactive date and the tail decide whether years of past work remain protected.
Defense and damages for claims that your professional services caused a client economic loss: negligent advice, design errors, missed deadlines, failures to deliver. Technology firms typically buy it fused with cyber as tech E&O, so a software failure and a data incident cannot fall between two carriers. What it does not cover defines its boundary: bodily injury and property damage belong to general liability, intentional misconduct is excluded everywhere, and the work of subcontracted professionals needs explicit treatment.
The first time a client relies on your judgment for money, which for consultancies, agencies, engineers, accountants, and software companies is the first engagement. Enterprise contracts force the limits question early, and licensed professions carry board or statutory requirements on top. Because the coverage is claims-made, every carrier change, sale, or retirement raises the tail question, and the time to answer it is before the transition.
Four specifics a well-served buyer should already be hearing about this coverage in this market. Read silently. Answer internally.
Is your retroactive date still anchored to the day you first bought this coverage, through every carrier change since?
Does the professional services definition in the form match what you actually sell today?
Are defense costs inside or outside your limit, and what does that leave for settlement after a year of litigation?
If you sold the company or switched carriers next quarter, what would the tail cost and who would buy it?
Every flag names the issue, the specific finding, and where it applies, the consequence. ARIA's full output also cites the exact policy page that proves each one — once you upload your declarations.
Annual premium distribution for a comparable business in your industry and revenue band, drawn from anonymized placements. Your specific position is computed when ARIA reads your declarations page.
Illustrative dataset · n=128 mid-market placements · refreshed quarterly
The first gap usually surfaces in the first minute of ARIA reading your declarations page.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page