Professional Service Insurance
Does event planner insurance cover vendor or attendee injuries?
Protect Your Work With Insurance For Professional Service Providers
Running a service-based business comes with responsibility, and risk. Whether you’re an IT consultant, software developer, event planner, real estate agent, or another independent professional, one mistake or misunderstanding could lead to costly legal claims. That’s where professional services insurance comes in. Through Gild’s network of trusted insurance partners, small businesses and freelancers can access flexible, affordable coverage tailored to their field. Protect your work, your reputation, and your future, without the hassle.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Does My Business Need Professional Service Insurance?
Certain business insurance coverages are required by state or federal law to protect employees and the public from business related risks.
The following business insurance types may be mandatory for your business:
- Workers Compensation Insurance: Required if you have employees. This covers medical bills and lost wages for work-related injuries.
- Commercial Auto Insurance: Required if your business owns or operates vehicles. This covers injuries and property damage related to your business’ vehicles.
- General Liability Insurance: Often required to obtain or renew certain licenses in trade, service, and professional industries.
- Professional Liability Insurance (Errors And Omissions Insurance) : Commonly required for real estate agents, health and wellness practitioners, and lawyers to protect against claims of professional errors.
The best way to find the right professional services insurance is with a free, online quote!
What Is The Right Insurance For My Business?
Learn more about your business’ risks, select tailored insurance solutions, and explore the types of businesses Gild can insure:
- Food and Beverage
- Beauty and Salon
- Building and Construction
- Healthcare and Wellness
- Facility Services
- Retail and Shops
- E-commerce and Online Retail
- Marketing, Media, and Communications
- Manufacturing
- Pet Services
Get A Quote For Business Insurance
With Gild Insurance, you’re not just getting a policy, you’re getting a partner who understands the unique challenges of running a small business. Together, we learn about your operations, tailor coverage to your specific risks, and help keep your business growing.
Frequently Asked Questions
Yes! Proper policies protect you from liabilities involving others at your events:
- General Liability covers injuries to guests—like slips, burns, or event-related damage.
- Product and Vendor Liability protects if a vendor’s service or product causes harm.
- Professional Liability helps if an attendee claims your planning triggered a financial or health-related issue.
- Workers’ Compensation covers your team members or assistants injured while working.
With Gild, you can rest easy knowing your policy covers both your team and every attendee that walks through the door.
Does notary insurance protect against identity theft or fraud claims?
Only if you carry Cyber Liability Insurance or E&O with specific fraud-related endorsements:
- Cyber liability can help with costs tied to hacked documents, compromised digital signatures, or leaked client data.
- E&O may respond to allegations of negligence if someone claims they suffered a financial loss due to fraudulent notarization—even if you weren’t at fault.
As identity theft risks rise, notaries need safeguards that go beyond the stamp.
Does architect insurance cover joint ventures or shared project risks?
Insurance for joint ventures can be nuanced:
- Professional liability may protect individual firm decisions—but shared risk demands clear contractual language.
- General liability can respond to accidents involving third parties, but shared-site coverage depends on policy limits and definitions.
- It's wise to clarify risk responsibility and insurance requirements in joint venture agreements, often involving tailored endorsements or combined coverage.
When multiple firms work together, contracts must align with policy terms—or else coverage gaps may appear.
Let's Get The Best Insurance For Your Business Today!
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