Explain the services you provide
Describe your work, the clients you serve, the agreements you sign, and any changes to your services. A clear description helps the insurer consider the right class of business and helps you ask focused questions about the policy.
Some policies use claims-made terms, and details such as retroactive dates, reporting periods, and continuity can matter. These features vary by policy. Ask the insurer or broker to explain how the specific wording applies before changing or ending existing coverage.
Details to review
- Are the listed professional services accurate and complete?
- Which limits, exclusions, and deductibles apply?
- What do the policy’s claim reporting and timing provisions mean?
- Could a client contract require particular limits or proof of coverage?
Serving professionals in MN, WI, IA, and AZ
Lisa helps clients explore professional liability and E&O options in Minnesota, Wisconsin, Iowa, and Arizona. Products and eligibility vary by profession, state, and insurer.