Professional liability

The cyber threat landscape never stands still. New attack methods, supply-chain exposures, and AI-driven risks make it essential for organizations to build — and continually maintain — strong cyber risk management practices. Our suite of cyber products, Cyber Resolution and Tech Resolution, deliver more than insurance: they pair flexible, market-leading coverage with an integrated team of experts who help you understand your risk profile, strengthen your defenses, and respond decisively when incidents occur. 

As a long-term, mutual insurer with global scale and local presence, Liberty Mutual combines dedicated cyber underwriters, advanced risk-engineering tools and methodologies, and regional claims specialists who bring handson incident response informed by global loss-trend intelligence. That means faster decisions, prioritized mitigation plans, and rapid recovery — helping organizations protect reputation, restore operations, and move forward with confidence. 

Our products: 

• Cyber Resolution — Comprehensive first and third-party cyber coverage with proactive risk mitigation and rapid incident response. 

• Tech Resolution — A blended cyber and Tech E&O solution tailored to the unique exposures of technology companies. 

Our lawyers professional liability insurance solutions from Ironshore help protect law firms, attorneys, and their staff from claims alleging errors, omissions, or other wrongful acts in providing legal services to clients. We provide coverage to more than 100,000 lawyers, many of whom are included on the 2020 Am Law 100 report.

Primary coverage highlights:   

• Capacity up to $15M
• Duty to defend policy with ability to write on an indemnification basis
• Insureds include all past and current attorneys, as well as all part–time, temporary, and contract attorneys for services performed for the named insured
• Worldwide coverage

 Excess coverage highlights: 

• Capacity up to $15M
• All areas of practice considered

Target classes:

• Law firms and in-house corporate counsel (employed lawyers product also available)
• Minimum of 10 attorneys

Our miscellaneous liability insurance solutions from Ironshore help protect professional service providers and their employees from claims alleging wrongful acts, errors, or omissions in the course of their work.

Coverage highlights:    

• Coverage tailored to meet the unique needs of each service provider
• Primary capacity up to $20M
• Excess capacity up to $20M
• Insureds include independent contractors
• Punitive damages coverage
• Personal injury torts
• Supplemental payments, including pre-claims assistance
• Spousal and domestic partner liability
• Worldwide coverage

Optional coverages:

• Contingent bodily injury/property damage
• Copyright or trademark infringement coverage
• Claims expenses outside the limit

 Target classes:

• Accountants (excess only)
• Claims adjusters
• Compliance consultants
• Executive/employee search firms
• HR consultants
• Insurance agents and brokers (MPL-FI)
• Management consultants
• Marketing firms
• Real estate agents and brokers (representing buyers/sellers of residential or commercial properties)

Our Tech Insure solution from Ironshore helps protect technology businesses against claims related to errors, omissions, network and privacy security, and other professional and cyber liability exposures.

Coverage highlights:     

• Technology errors and omissions
  • Technology wrongful acts include:
    • Unintentional breach of contract
    • Coverage for technology services and technology products
    • Copyright infringement (including software copyright
  • Coverage for outstanding fees owed to the insured
• Miscellaneous professional liability
  • Coverage for intellectual property infringement
  • Carve back to breach of contract exclusion arising out of professional services
• Privacy and network security liability
• Media liability
• Regulatory proceedings, fines, and penalties
• Privacy breach expenses
• Network asset loss
• Ransomware and network extortion threat
• Business interruption
• Dependent business interruption
• Worldwide coverage
• Primary or excess coverage available
• Complimentary access to risk-management portal operated by ePlace Solution

Optional coverages:

• System and dependent failure
• Social engineering
• Funds transfer fraud
• Invoice manipulation
• Reputational harm
• Voluntary shutdown
• Cryptojacking