ARIA · loading
Professional services firms — consulting, engineering, architecture, design, marketing — sell judgment. 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.
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.
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 dataset · n=84 mid-market placements in this class
ARIA pre-loads your professional services exposure profile the moment you click. Peer benchmarks, top risks, and the carriers in appetite at your scale.
Nothing binds until a licensed Risk Strategist signs the placement
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