Gwen Ballesteros Vol. 01
Open to new engagements
Home Industries PROFESSIONAL SERVICES

Professional services insurance support, beyond E&O.

Commercial lines support for agencies with professional services books. Consultants, accountants, architects, engineers, IT firms, marketing agencies. E&O placement, cyber liability, EPLI, and the coverage gaps the headline policy doesn’t address.

Professional services is the line where the E&O policy is the headline, but the GL, EPLI, and cyber are what fill the gaps. A claim against a consultant rarely arrives as one clean tort. It arrives as a contract dispute that becomes a defamation claim that becomes an employment matter. The coverage stack has to actually fit the risk shape, not just check the box.

I service professional services accounts ranging from solo consultants to mid-sized firms. The work spans new business quoting with detailed claims-made considerations, certificate management for clients with stringent E&O requirements, retroactive date and tail coverage discipline, and the renewal lifecycle from prep through bind.

Professional services is the line where the E&O policy is the headline, but the GL, EPLI, and cyber are what fill the gaps.

Coverages I work with daily

What construction accounts actually need

No. 01

E&O placement.

Retroactive date discipline, tail coverage planning at renewal, claims-made vs occurrence form review. The details that decide whether a five-year-old project is still covered.

No. 02

Cyber readiness.

Professional services firms hold sensitive client data. Cyber claims can dwarf E&O claims. Coverage matched to actual data exposure, not just a box-checked default policy.

No. 03

EPLI gaps.

Wrongful termination, harassment, discrimination claims fall in EPLI’s wheelhouse, and most professional firms underbuy. Limits and definitions reviewed against firm size.

No. 04

Contract review.

Indemnification clauses, hold harmless agreements, additional insured requirements. Reviewed against the firm’s actual coverage to flag gaps before they become disputes.

No. 05

Hybrid workforce.

Construction is appetite-sensitive. I know which carriers write trade contractors, who's open to artisan, who's writing residential vs commercial, and where E&S is the right move. Less ping-pong, more bound business.

No. 06

Carrier appetite.

Each profession has its own appetite map. Architects, accountants, IT consultants, marketing agencies all sit in different markets. I know who writes what.

If your professional services book needs E&O placement and cyber discipline, let’s talk.

Whether it’s overflow on a busy E&O renewal, dedicated support for a high-touch firm, or full back-office for your professional services vertical, I plug into your AMS, review the retroactive dates, and start managing renewals by week one.

Start a conversation →
What happens next
  1. Tell me about your book15-minute call. No commitment, no pitch deck.
  2. Pick a starter sliceA few renewals or one vertical. Low-risk pilot.
  3. Plug into your AMSI learn your workflow. Producing by week one.
  4. Review at the quarterDecide together what scales and what doesn’t.