Six programs, built around how each profession gets sued
Each program sits on a wording written for the profession. Pick the closest fit, or send the file and we place it on the right form.
| Program | Who it is for | Read more |
|---|---|---|
| Technology | Software developers, IT consultants, data service providers | Technology E&O |
| Architects and engineers | Design firms, engineers, technologists | A&E E&O |
| Professionals and consultants | Management, environmental and HR consultants, therapists, customs brokers, education | Professionals E&O |
| Accountants | Accounting firms, bookkeepers, tax preparers, liquidators | Accountants E&O |
| Real estate and property management | Brokerages, realtors, leasing agents, property managers | Real estate E&O |
| Marketing and media | PR firms, web studios, event producers | Marketing and media E&O |
Classes outside these programs go to our Hard-to-Place Facility. Send the file the same way and we route it.
What every program includes
- Limits up to $5M, with US exposure up to 20% of revenue.
- Defence costs paid on top of the limit, except for claims under US jurisdiction.
- Duty to defend, even when the claim has no merit.
- Worldwide territory.
- 60 days after expiry to report a claim.
- Retroactive date and prior acts carried over on a rollover.
- Placed with domestic and international underwriters, including Lloyd's.
How the quote works
Standard risks quote on screen in about 60 seconds at quote.approvedcasualty.com. Upload an application, email it, chat with the intake assistant or fill in the form. The tool reads the file, prices every limit option and sends you a quote link you can share with your client.
Larger or unusual accounts go to an underwriter, with terms back within 48 hours. The minimum premium starts at $515.
Package the account in one submission
Two add-ons sit on the same quote, so the client gets one price and you place one file.
- General liability. Optional CGL for the same insured, rated by class. See general liability.
- Legal expense. $50,000 per claim, $100,000 aggregate, with a 24/7 legal advice line. See legal expense insurance.
Files that fit and files that refer
The programs are built for small and mid-sized professional firms. Revenue above about $3M, limits above the on-screen tiers, open claims or unusual services refer to an underwriter instead of pricing on screen. A referral is not a decline. It means a person reads the file.
