Professional Services Insurance in Michigan
Consultants, accountants, designers, attorneys, and other professionals face unique liability exposures — primarily from the advice they give, not just the physical space they occupy.
What Is Professional Services?
Professional service businesses in Michigan — consultants, accountants, marketing agencies, attorneys, architects, engineers, financial advisors, IT professionals, and more — face a different risk profile than physical businesses. Your biggest liability exposure often isn't a slip-and-fall in your office. It's the client who claims your advice cost them money, the data breach that exposes client records, or the employee who sues over a workplace dispute. Knight Family Agency builds professional services insurance programs through Farmers that address the real risks professionals face.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
Errors & Omissions insurance covers claims that your professional services caused a client financial harm — a missed deadline, faulty advice, an error in your deliverable. This is the most critical coverage for any professional service business.
Professional firms handle confidential client data — financial records, health information, contracts, personal details. Cyber liability covers breach notification costs, credit monitoring, regulatory fines, and business losses from a cyber incident.
Covers physical claims — a client injuring themselves in your office, damage to a client's property at their location, or advertising injury claims from your marketing. The foundation that every business needs.
Covers your office space, computers, furniture, and equipment against fire, theft, and other covered perils. Important if you own or have significant improvements in your office space.
Covers claims from current or former employees alleging discrimination, harassment, wrongful termination, or failure to hire. EPLI claims are surprisingly common even in well-run professional firms.
For professional firms structured as corporations or LLCs, D&O covers claims made against company leadership for business decisions that allegedly harm clients, employees, or investors.
Who Needs This Coverage
When clients implement your recommendations and something goes wrong financially, E&O coverage protects you from the resulting claim — regardless of whether you actually made an error.
Tax errors, audit oversights, and financial reporting mistakes create significant liability exposure for accounting professionals. E&O is essential.
Copyright infringement claims, missed campaign deadlines, and errors in client-facing materials are real E&O exposures for creative professionals.
System failures, data breaches, implementation errors, and scope disputes create both E&O and cyber liability exposure for tech service providers.
Transaction errors, failure to disclose, and property management mistakes create professional liability claims — often for significant dollar amounts.
Legal malpractice is a distinct category of professional liability with specific policy requirements. We connect law firms with appropriate coverage through Farmers' professional lines.
Frequently Asked Questions
Protect Your Professional Practice in Michigan
Get a professional services insurance quote from Knight Family Agency — we understand the risks professionals face.