Risk Intelligence
Combining data, analytics, and industry expertise to uncover risks and opportunities before they impact your business.
Management & Professional Liability
Professional Liability Insurance in Texas for Businesses That Get Paid for What They Know and Do.
General liability covers physical injury and property damage. It does not cover claims that arise from your professional advice, decisions, or the quality of your work. If a client suffers a financial loss and points to something you did or recommended, that is a professional liability claim.
E&O
Errors & omissions
D&O
Directors & officers
EPLI
Employment
Cyber
Liability
Our approach
We pair developer-grade analytical infrastructure with senior advisory to deliver risk programs that support operational continuity and capital efficiency.
Strategic Coverage
Transparent insurance solutions tailored to your operations, assets, and long-term objectives.
Long-Term Partnership
A relationship-focused approach built on trust, advocacy, claims support, and ongoing risk advisory services.
Why Benchmark
The Benchmark Difference, in Numbers.
42
States LicensedCoast to coast
$6B
In Property ValuesInsured & protected
4,000
Loyal PartnersAnd growing
100+
A+ Insurance MarketsTop-rated carriers
Where Professional Liability Breaks
Professional Liability, Placed for the Operations You Actually Run.
Errors and omissions, directors and officers, EPLI, and cyber are sold as four products and underwritten as four programs. We structure them as one risk surface.
Lawyers, accountants, agencies
Vicarious liability for contractors, prior-acts coverage, and tail negotiated up front.
Board exposure
Side A, B, and C coverage with EPLI bundled where the cap table justifies it.
Workforce exposure
Class-action wage and hour layered for hospitality and distribution employers.
Operational exposure
Incident response, business interruption, and regulator-fines coverage placed around the actual data and PHI exposure.
Coverage highlights
Professional Liability
Coverage
Errors and omissions
Professional liability placed against actual scope of work, with vicarious liability for contractors and prior-acts coverage.
Coverage
Directors and officers
D&O for private companies with Side A, B, and C structured, EPLI bundled, and tail negotiated for sale or restructure events.
Coverage
Employment practices
EPLI placed against actual workforce demographics, with class-action wage and hour for multi-state and multi-location employers.
Coverage
Cyber liability
Cyber tower addressing incident response, business interruption, regulatory fines, and ransomware against the actual operation.
Coverage
Fiduciary liability
Fiduciary for retirement plan administration and ERISA-governed benefits.
Coverage
Crime and fidelity
Employee dishonesty, computer fraud, and funds-transfer fraud placed against actual account activity.
Built For
Operators with governance, professional, employment, and data exposure.
Management liability matters most when there are decisions getting made that could be second-guessed: clinical, professional, governance, financial. We structure around all of them.
- Private companies with active boards
- Professional services firms (law, accounting, consulting)
- Healthcare and senior care operators
- Multi-state and multi-location employers
- Technology and software firms with data exposure
- Financial services and registered investment advisors
What Sets Us Apart
Coordinated coverage
Tail negotiated
EPLI sized
Cyber attached to data
One risk surface, one coordinated tower.
Four lines, one program
E&O, D&O, EPLI, and cyber placed together so coverage actually coordinates and gaps do not open between policies.
Sale-ready
Prior-acts and tail coverage negotiated up front so sale, restructure, or wind-down events do not leave exposure.
Workforce aware
EPLI structured against actual workforce demographics and turnover patterns, not generic policy forms.
Real exposure
Cyber tower designed against the actual data footprint, billing systems, and integrations.
Methodology
The Benchmark Protocol
01
Discovery
Deep-dive audit of your operation, exposures, and historical loss runs to identify coverage gaps.
02
Market Analysis
Leveraging carrier relationships to benchmark your program against the highest industry standards.
03
Proposal
Structured coverage architecture and disclosure-first balance sheet efficiency with institutional protections.
04
Partnership
Ongoing stewardship, risk control, and advisory that scales with your growth.
Management liability advisory
Four products. One risk surface. Underwritten as a coordinated tower.
Tell us where your professional, governance, employment, and data exposures sit. We will structure the management liability suite as a single program.
Common Questions
Frequently Asked Questions.
What is professional liability insurance and what does it cover?
Professional liability covers claims arising from your professional advice, services, or work that results in financial harm to a client including errors, omissions, negligent advice, and misrepresentation.
What is the difference between professional liability and GL?
GL covers third-party claims for bodily injury and property damage. Professional liability covers claims related to the quality, accuracy, or outcome of your professional work.
What does errors and omissions mean?
E&O is another name for professional liability. The term refers to mistakes made in professional work and situations where important information was left out.
What is a claims-made policy?
A claims-made policy covers claims made during the active policy period regardless of when the incident occurred. Managing retroactive date and tail coverage is important.
What is tail coverage?
Tail coverage extends the window during which claims can be reported after a claims-made policy ends. Essential when switching insurers or ceasing operations.
Does property management require its own professional liability?
Yes. Property managers face specific E&O claims related to leasing decisions, maintenance failures, tenant disputes, and undisclosed property conditions.
How much professional liability does a business need?
Limits depend on engagement size, client financial exposure, and contractual minimums. One million per claim with two million aggregate is a common starting point.