Insurance for Professional Service Providers

At Mitchell & Whale, we work with over 40 insurers, and have been providing coverage to Ontario professionals and service providers for 3 generations.

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Get the Best Coverage in Ontario for The Services You Offer

As a professional service provider, your coverage requirements need to reflect the broad range of risks you face each day. Whether you’re a sole proprietor, partner, or corporation, Mitchell & Whale has you covered with over 40 of the best insurance partners in Ontario and Canada.

Just some of the professional service clients we find coverage for include:

  • Lawyers
  • Realtors
  • Tech Professionals
  • Accountants
  • Financial Consultants

Call us today to see how we can help you! 1.800.731.2228

Insurance Coverage For Professional Service Providers

As your broker, we’ll examine the nature of your business, and ensure you have the coverage you need to mitigate risks associated with your particular operation. Most professional service providers start with the following coverage:

As provider of professional services, you’re exposed to a range of liability risks that could potentially result in legal action against your or your organization. The two main categories of liability insurance necessary for professional service providers are commercial liability, which covers accident or injury, and professional liability, covering acts of negligence or damages resulting from your professional errors or advice.

Commercial General Liability

Commercial General Liability (CGL) provides coverage for claims resulting from occurrences of bodily injury and property damage that might occur on your premises such as a slip and fall on your office stairs. CGL is considered basic liability coverage for a professional service provider, as it excludes claims arising from malpractice or error.

More on Commercial General Liability coverage

Professional Liability

Professional Liability insurance (PLI), sometimes referred to as errors and omissions, protects you in the event that you’re found legally responsible through your professional services for accidents or oversights resulting in damages to a client. Professional liability fills the gap in commercial general liability coverage for accusations of negligence, which CGL won’t cover in most cases. One form of professional liability insurance underwritten specifically for healthcare professionals as malpractice insurance.

More on Professional Liability Insurance

Commercial Property insurance protects your physical location, office contents, and equipment.

Office Contents

Covers risks such as theft, fire, and water damage to your business assets. Content might include property such as computers; photocopiers; furniture; appliances; decor; records and documents; and they should be covered both in your office or when temporarily away from the workplace.

More on Business Contents Insurance

Equipment Breakdown

Equipment breakdown insurance covers you against the common problem of sudden, accidental breakdown of the equipment your business relies on for day to day operations. Your office is likely air conditioned or heated, uses computer and telephony systems, electrical panels, and more. Without equipment breakdown, your business would have to absorb the full expense of repairs or replacement.

More on Equipment Breakdown Insurance

Cyber Liability

As a professional service provider, you likely store client data in a computer network. A cyber endorsement added to your policy is a wise decision in most professional environments, protecting you in case of privacy breach or other cyber crime.

More on cyber liability insurance

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