Professional Insurance Experts

Call Directions Website Contact the business

Professional Insurance Experts We Will Get You The Very Best Business Coverage at The Lowest Price Possible

10/12/2026

You won the project.

Then one sentence in the contract changes the deal:

“Carry $5 million in professional liability insurance.”

Your firm currently carries $1 million.

Most firms ask: “How much will the extra coverage cost?”

That is not the first question.

First ask what the client is actually requiring.

Because a $5 million practice limit is not necessarily $5 million reserved for that project. Other claims may reduce the aggregate. Defense costs may reduce it further.

Before you sign, find out:

*Is the requirement per claim, aggregate, or both?
*Does the client expect limits dedicated to its project?
*How long must you maintain the coverage?
*Could the requirement be negotiated?
*Would a project-specific solution make more sense?

Sometimes increasing the firm-wide limit is the right move.

Sometimes it is an expensive answer to the wrong question.

A $5 million insurance requirement is not paperwork. It is a contract and business decision.

Read the full article here 👇

09/28/2026

How much should an architecture or engineering firm pay for professional liability insurance?

The standard answer is: it depends.

True.

But not especially useful when you’re staring at a renewal invoice.

So I compiled 22 actual anonymized A&E pricing examples from 2025–2026 and put the important variables next to the premium:

revenue, employees, type of work, limits, deductible and claims history.

The numbers are not quotes or guarantees. Your firm will never match another firm perfectly.

But now you can at least find a rough comparison and know what questions to ask next.

See all 22 examples: 👇

Well, this was a fun one. :)Spent the last 4 days at FAMU College of Law in Orlando with the Puerto Rican Bar Associatio...
09/21/2026

Well, this was a fun one. :)

Spent the last 4 days at FAMU College of Law in Orlando with the Puerto Rican Bar Association of Florida.

I got to teach a 2-hour CLE on a topic that seems to be getting more interesting by the week:

Can ChatGPT Get You Sued? AI, Ethics, and Legal Malpractice.

We talked about AI hallucinations, confidentiality, billing, malpractice claims, insurance, and all the fun ways a “quick shortcut” can turn into a very expensive problem.

And then I got to watch the moot court competition, which may have been my favorite part.

Very smart people. Some great arguments. And a nice reminder that ChatGPT still has a little work to do before it takes over the courtroom.

Thank you to PRBA of Florida and FAMU College of Law for having me. Really enjoyed this one.

09/14/2026

A 1099 structural engineer makes a design error.

The owner sues: The architect.

The architect says: “The engineer screwed up.”

The engineer says: “No. The architect gave us incorrect information and failed to coordinate the drawings.”

Congratulations.

Now everyone has lawyers.

This is much closer to how real professional liability claims can develop.

So whose policy responds?

And more importantly…

Will yours? 👇

08/28/2026

Two engineering firms.

Both generate $2 million in revenue.

One pays $4,000 for E&O.

The other pays $20,000+.

Why?

Because underwriters aren't just looking at how much revenue you have.

They’re pricing the size of the mistake that could happen.

An electrical engineer working on small commercial projects and a structural engineer designing bridges may have identical revenue — but they don't have identical risk.

Your discipline matters.

Your projects matter.
Your contracts matter.

Your largest project matters.

Your claims history matters.

And sometimes, how your firm is presented to the insurance market matters more than firms realize.

I broke down what actually drives Professional Liability/E&O pricing for engineering firms — and what firms can do to improve their position at renewal.

👇 Full article in the comments.

02/25/2026

"The $350 mistake.”

You start your own business.

You go online.

Type:
“I probably need insurance.”

A website spits out:

✔ $1M / $2M
✔ $350
✔ “General Liability”

You hit Buy Now.

You feel responsible.

You feel protected.

You are… not.

Here’s what that policy actually covers:

– Someone slips in your office
– Someone trips over a cord
– Maybe a random property damage claim

It does not cover your professional mistakes.

It literally excludes them.

If a client says:

“You gave bad advice.”
“Your email was misleading.”
“You missed something.”
“You cost me money.”

That’s Professional Liability.

And that’s where almost every real claim lives.

GL is for slips and falls.

Professional Liability is for your brain.

Guess which one gets you sued?

01/15/2026

The Insurance Version of “Pastiche”

I just read an article by Ryan Hanley about dead content—and he used a term I’d honestly never heard before: pastiche.

In cultural theory, pastiche means copying a style without understanding why it existed in the first place.

In professional liability, it looks like this:

• Same limits as last year
• Same carrier their colleague uses
• Comparing quotes without reading supplemental payments
• Assuming defense, regulatory, and pre-claim coverage are “basically the same”
• Treating E&O like a commodity instead of a legal defense strategy

The result?

Coverage that technically exists.
Everything looks fine—until it isn’t.

And apparently, there’s a name for this problem.

It’s imitation without understanding.

01/07/2026

LAST-MINUTE CLIENT / CONTRACTOR CHANGES

“Can We Just Change This One Small Thing?”
— Famous Last Words.

After permit.
After pricing.
After coordination.
After you already signed off.

Clients call it “minor.”
Contractors call it “easy.”
Lawyers call it scope creep.

And when that tiny change causes a delay, a failure, or a cost overrun?

Everyone forgets who asked for it.
Everyone remembers who stamped the plans.

This is how liability shows up without an invitation.

Not from bad design.
From undocumented changes.

E&O doesn’t protect design intent.
It protects what happens when memory gets selective.

If it wasn’t clearly documented…
It didn’t happen.

Until court says it did.

If you’ve ever felt that quiet knot in your stomach after a “small” change, this is why.

12/01/2025

Most policies don’t say “worldwide.”
They say: U.S., Canada & Puerto Rico. Period.

If you do international projects, this matters more than you think.

Even when your application clearly discloses global work, the default territory on most policies stays domestic unless it’s explicitly endorsed.

And here’s the part firms miss:

Each coverage line might be handled separately.

General Liability
Pollution Liability
Professional / E&O

One can be worldwide.
The others can still be U.S.-only.

So you might have:

GL worldwide ✅
Pollution U.S. only ❌
E&O U.S. only ❌

Which means you’re protected for a foreign jobsite accident…
But not for the real risk:
Your design, drawings, specs, engineering decisions.

If you work internationally, your policy must say it explicitly — by endorsement — for EACH line:

GL
Pollution
E&O

If it’s not written in the territory clause,
it doesn’t exist.

International work requires international coverage — in writing.
Anything else is just hope.

11/24/2025

💥 When a Post Goes Viral... and So Does the Liability

One viral post.
A few million views.
And suddenly—your “marketing moment” just turned into a legal one.

Social media turned “word of mouth” into “word of algorithm.”
It didn't just amplify your message.
It amplified your risk.

Defamation, copyright, brand misrepresentation—
it’s all happening faster than most companies can call their lawyer.

Courts are being forced to answer a new question:
Where does free speech end and liability begin?

The internet doesn’t forget,
and neither do plaintiffs’ attorneys.

Massive verdicts are proving one thing—
reputational harm in the digital age isn’t just bad press.
It’s a financial hit that can cripple even the most established names.

I’ve seen firsthand how one careless post—or one unchecked comment—
can turn into a six-figure problem overnight.

If your business relies on visibility,
make sure your insurance can handle it.

Address

5 Cowboys Way, Suite 300
Frisco, TX
75034

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+14697773025

Website

Alerts

Be the first to know and let us send you an email when Professional Insurance Experts posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Professional Insurance Experts:

Shortcuts

Sponsored

Share

Category