What professional services typically need
Based on our experience working with professional services across Kentucky, Indiana, and Tennessee, here are the coverage types you should have in place:
- Professional liability (E&O)
- General liability
- Cyber liability
- Workers compensation
- Business owner's policy (BOP)
- Directors and officers (for firms)
Kentucky-specific requirements
Many professional licenses in Kentucky require E&O coverage. Client contracts frequently require $1M professional liability limits.
We represent top-rated carriers including specialty markets for professional services, which means we can often find coverage that generalist agencies cannot. We also handle certificates of insurance, additional insured endorsements, and audit support.
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Why choose The Way Agency for professional services insurance?
Industry experience. We understand the specific risks, contract requirements, and coverage gaps that professional services face. We don't sell generic policies - we build programs that match real-world operations.
Carrier access. As an independent agency, we access markets that captive agents and direct-to-carrier sites cannot. For specialty trades, this access is the difference between getting covered and getting declined.
Certificate management. We handle COIs, additional insured requests, and evidence of coverage quickly. When you need a certificate for a job site by tomorrow morning, we make it happen.
Claims advocacy. When something goes wrong on a job, we help you navigate the claims process and push back on the carrier when needed. We work for you, not the insurance company.