Professional Liability
Aspera has Professional Liability coverage for small-to-midsized, hard-to-place or distressed, non-medical professional liability companies. Our leading classes are Architects & Engineers, Insurance Agents, and Lawyers. We can customize and manuscript coverage wording to fit your client’s needs.
Target Classes
Accountants
- Small-to-midsize firms, including solo practitioners
Architects & Engineers
- Aerospace/aviation engineers
- Construction management
- Design/build
- Geotechnical engineers
- Process engineers
- Structural engineers
Note: Professional/General Liability policies available. Contingent Pollution coverage included. Risk management contract review hotline available.
- Compliance, licensing, and business consulting
- Specialized professionals: accountants, architects, engineers, lawyers, etc.
- Staffing and employment services
Financial Planners
- Small-to-midsize firms, including solo practitioners
- Alternative investment vehicles
- Discretionary asset management
- Life/health/annuities placements coverage included
- Solicitors for third-party money managers
- Unregistered/unlicensed professionals
Insurance Agents:
- Retail/wholesale agents and brokers, to include MGAs/MGUs and program administrators
- Aviation insurance
- Crop insurance
- Life/health/accident insurance
- Long haul trucking insurance
Law Firms
- Small-to-midsize firms, including solo practitioners
- Class action/mass tort
- Intellectual property, including patent law
- International law
- Mergers & acquisitions/corporate practices
- Plaintiff litigation
- Securities law
Note: Risk management contract review hotline available.
Miscellaneous Professional
- Actuarial consultants
- Cannabis-related risks
- Crane inspectors
- Mergers & acquisitions consultants
- OSHA compliance/safety consultants
Note: Contingent Bodily Injury/Property Damage available.
Real Estate Related
- Appraisers
- Business brokers
- Mortgage brokers
- Property managers
- Residential and commercial sales and leasing
Note: Coverage available for owned properties.
Excess
- Available over all PL classes of business
- $10,000,000 limit capacity (primary or excess)
- Broader underwriting appetite, including clean/ standard risks
- Aggregate-only excess
- Project- or client-specific excess
- Top-heavy excess
Availability
- Alabama
- Arizona
- California [Lic. 0K86725]
- Colorado
- Florida
- Georgia
- Louisiana
- Maine
- Michigan
- Mississippi
- Nevada
- North Carolina
- Oregon
- South Carolina
- Texas
- Virginia
- Washington
Company Highlights
Here are a few services you can expect when working with us:
- Quick responses and quotes, often within 24 hours
- 12.5% commission on new and renewal commercial accounts
- 24-hour policy issuance
- Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
- Application (signed and dated) and appropriate supplemental application(s)
- Five-year currently-valued loss runs
- Copy of license
- Copy of current declaration page