# Professional Services Consultants, accountants, agencies, and advisors. The policies that protect the work you bill for. Professional services firms sell expertise. Their coverage stack starts with errors and omissions, then layers in cyber for the client data they hold and employment practices liability once headcount grows. Simple in shape, specific in fit. The most common mistake we see on professional-services placements is a generic E&O policy that excludes the firm's actual deliverables. We read the engagement letter against the policy form so the work the firm bills for is the work the carrier insures. ## Sub-industries - **Errors & Omissions (E&O)**, Professional liability for advice and deliverables. - **Cyber Liability**, Coverage for the client data you hold. - **General Liability**, Client-facing offices and events. - **Employment Practices (EPL)**, Required once headcount grows.