E&O for Architects and Engineers: What AIA/EJCDC Contracts Require and What It Actually Costs (2026)
Reading Time: 2 minutesE&O for Architects and Engineers: What AIA/EJCDC Contracts Require and What It Actually Costs (2026) Professional liability insurance for architecture and engineering firms costs $7,000 to $50,000 per year at mid-market scale, making it one of the most expensive E&O classifications in the insurance market. The reason is straightforward: when an architect’s design fails or […]
Professional Liability for Technology Companies: Cyber vs. E&O and When You Need Both (2026)
Reading Time: 2 minutesProfessional Liability for Technology Companies: Cyber vs. E&O and When You Need Both (2026) Technology companies face a coverage question that doesn’t exist in traditional professional services: when your software fails, is it a professional liability claim (E&O) or a cyber liability claim? The answer is almost always both, and carrying one without the other […]
E&O Insurance for Financial Advisors and RIAs: Coverage, Cost, and Regulatory Requirements (2026)
Reading Time: 2 minutesE&O Insurance for Financial Advisors and RIAs: Coverage, Cost, and Regulatory Requirements (2026) E&O insurance for SEC-registered investment advisors costs $8,000 to $60,000 per year at mid-market firm scale, depending on assets under management, number of registered representatives, product types offered, and claims history. A $500M AUM firm with 15 advisors pays differently than a […]
Professional Liability Insurance Cost 2026: What Mid-Market Companies Actually Pay by Industry
Reading Time: 6 minutesProfessional Liability Insurance Cost 2026: What Mid-Market Companies Actually Pay by Industry Professional liability insurance — also called errors and omissions (E&O) — costs $5,000 to $75,000 per year for mid-market companies with $5M–$200M in revenue and 25–500 employees. That range is dramatically different from the $675/year average you’ll see quoted across the internet, because […]
How to Structure an Excess Liability Tower for $20M–$200M Revenue Operations (2026)
Reading Time: 3 minutesHow to Structure an Excess Liability Tower for $20M–$200M Revenue Operations (2026) An excess liability tower is a stack of insurance policies from multiple carriers that provides total liability limits beyond what any single carrier is willing to write. Below $5M in excess, one carrier handles it. Above $10M, you’re layering two to five carriers, […]
Nuclear Verdicts and Excess Liability: Why $1M in GL Coverage Isn’t Enough in 2026
Reading Time: 3 minutesNuclear Verdicts and Excess Liability: Why $1M in GL Coverage Isn’t Enough in 2026 Nuclear verdicts — jury awards exceeding $10 million — surged 52% in 2024 to a record 135 cases totaling $31.3 billion. Thermonuclear verdicts exceeding $100 million hit 49 cases in the same year, with five exceeding $1 billion. These aren’t outliers […]
Excess Liability vs. Umbrella Insurance: Which One Your Mid-Market Business Actually Needs (2026)
Reading Time: 2 minutesExcess Liability vs. Umbrella Insurance: Which One Your Mid-Market Business Actually Needs (2026) Excess liability insurance extends the limits of one specific underlying policy — your GL, your commercial auto, your employers liability — and follows that policy’s exact terms. Umbrella insurance sits over multiple underlying policies simultaneously and can provide broader drop-down coverage for […]
Excess Liability Insurance: What It Costs, How Towers Work, and Why $1M in GL Isn’t Enough Anymore (2026)
Reading Time: 7 minutesExcess Liability Insurance: What It Costs, How Towers Work, and Why $1M in GL Isn’t Enough Anymore (2026) Excess liability insurance costs $2,500 to $50,000+ per year for mid-market businesses, depending on the coverage amount, underlying policy limits, industry, and claims history. A $5M excess policy over a standard $1M/$2M GL costs roughly $2,500 to […]