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.  

Cannabis Professionals

• 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