ARIA · loading
Professional services firms sell judgment. Consulting, engineering, architecture, design, marketing. The product is opinion, advice, and deliverables that clients rely on for downstream decisions. The line that defines this industry is professional liability / E&O, and the wording inside it is what separates a covered claim from a $4M out-of-pocket settlement.
Drawn from analysis of mid-market accounts in this class. The structural ones, what's missing from the coverage rather than what it costs, are the ones that end up on a balance sheet.
The lines ARIA recommends for a well-structured coverage stack in this industry, in the order they typically attach.
ARIA can now evaluate the controls, dependencies, and operating risks that shape how your business responds before, during, and after a loss. About 3 minutes. A Business Preparedness Score, public website security signals, and the three actions that matter first.
A boutique engineering firm's structural calculations contribute to a parking-garage collapse. The owner alleges negligent design and seeks $8M in damages. The work was performed by an external structural specialist subcontracted by the firm.
Standard E&O excludes subcontractor work absent a schedule. The carrier denies coverage entirely; defense costs and any settlement fall to the firm directly. Two partners liquidate equity to fund a $5M settlement.
RiskMind's structure: blanket subcontractor coverage endorsement (CG-style equivalent) on the E&O form. Defense costs and the $5M settlement sit inside the $10M limit. Indicative incremental annual premium for the broad subcontractor language: $4K–$7K. The firm continues operating.
Illustrative scenario · how this claim pattern breaks, not a client history
Annual premium distribution across the full coverage stack for a comparable business in your industry. ARIA refines your exact position once it reads your declarations page.
Illustrative ranges for this class · replaced by cited findings when ARIA reads your policies
In market at 120 days, terms at 60, bound at 30. Select the month and those dates are yours, not a generic example. No email, no form.
Ninety days before it, you get one market read for your industry, from me. Nothing else happens without you.
ARIA pre-loads your professional services exposure profile the moment you click. Peer benchmarks, top risks, and the carriers in appetite at your scale.
In writing, within 48 hours, free. If the read shows your current program is right, I will tell you to stay put, in writing. You lose nothing either way.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page
