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Which Insurance Should You Consider?
Consider professional errors and omissions (E&O), cyber liability, crime, technology errors and omissions (E&O), and general liability. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options.
Professional errors and omissions (E&O)
A client relies on legal advice, document work, representation, or another professional service.
NAIC describes professional liability broadly for service or advice errors. Ask how the proposed form defines your actual legal services and insured people.[1][4]
Ask Before Buying
Which services, jurisdictions, entities, and alleged financial losses are addressed, and what exclusions or claims-made conditions apply?
Cyber liability
You hold matter files, identity data, confidential client communications, or credentials.
FTC describes cyber first-party costs and third-party claims as comparison topics. California lawyers also have a professional confidentiality duty with exceptions; that rule does not establish insurance response.[3][2]
Ask Before Buying
Which incident response, restoration, notification, vendor, interruption, and client-claim scenarios does the form address?
Crime
Staff can access client trust funds, operating accounts, or payment instructions.
Ask whether a crime quote addresses employee theft. Client trust-account theft, outside fraud, and redirected transfers remain form-specific questions; no response is assumed.[1]
Ask Before Buying
Which persons, accounts, theft events, social engineering, and client-fund scenarios are defined or excluded?
Technology errors and omissions (E&O)
You sell document automation, matter management, research, or other legal software.
Separate legal advice and representation from software hosting, integrations, and implementation. Ask which proposed form identifies each activity as an insured professional service.[5][1]
Ask Before Buying
Which software, hosting, integrations, and service failures fit the definition, and how does it coordinate with professional-services wording?
General liability
Clients visit your office or staff conduct in-person events or services.
General liability is broadly associated with bodily injury and damage to others’ property. Describe premises and activities and compare the actual form and exclusions.[6][1]
Ask Before Buying
Which office, client visits, and events are listed, and what limits or exclusions apply?
Law Practice and Legal Software Are Different Activities
If you practice law, describe the legal work, client types, jurisdictions, and who provides advice. If you sell software, describe hosting, data, integrations, and service commitments separately.[1][5]
California Rule 1.6 applies to California lawyers and has exceptions. It informs confidentiality decisions for that scope; it does not tell you which insurance form responds.[2]
Before Opening an Account or Taking Payment Instructions
Map who can access trust and operating funds, approve transfers, or change client payment instructions. Ask the insurer to address employee theft and outside payment diversion separately.[1]
Do not infer fraud protection from a crime or cyber label. Compare definitions, insured persons, exclusions, and limits in the proposed forms.[1][3]
Before Expanding Client Data or Vendors
List client records, storage locations, vendors, access permissions, and incident-response responsibilities. FTC recommends supplier-risk assessment and asks buyers to examine vendor-held data when comparing cyber terms.[7][3]
Ask the broker to compare notification, restoration, vendor-event, and client-claim terms across the proposed cyber forms.[3]
Providers to Compare by Coverage
Professional errors and omissions (E&O)
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10
Cyber liability
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10Crime
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10
Technology errors and omissions (E&O)
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10General liability
Alliance Risk
Spot Score
Review Score
Not enough ratings
Amelia Risk
Spot Score
Review Score
2.0/ 10Common Questions
Does a law-practice professional policy cover legal software?
Do not assume it does. Ask whether the policy defines software, hosting, integrations, and service commitments as insured professional services, or whether separate technology wording is proposed.[1][5]
Read the Full AnswerDoes a confidentiality duty mean cyber insurance covers a client-file breach?
No. California Rule 1.6 concerns a California lawyer’s confidentiality duty and lists exceptions; it does not determine insurance response.[2]
Read the Full AnswerSources and Further Reading
- Small Business Insurance — National Association of Insurance Commissioners. Small-business coverage categories, exclusions, property interests.
General coverage purposes and exclusions, not policy wording.
- Chapter 1. Lawyer-Client Relationship — State Bar of California. Current Rule 1.6 and comments on California lawyer confidentiality.
California counsel confidentiality rule only.
- Cyber Insurance — Federal Trade Commission (content developed with NAIC and federal partners). First-party and third-party cyber examples; not policy wording.
First/third-party examples to turn into quote questions, not promises.
- Launch your business — Get business insurance — U.S. Small Business Administration. Business insurance overview, common types and buying steps; broad federal mandate statement not relied on.
- Cyber insurance coverage & products — Chubb. Named DigiTech technology E&O and cyber interruption examples; summary, not policy wording.
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024: buying cover; property/time-element; inland marine; equipment breakdown; GL; workers compensation; rating.
- Cybersecurity for Small Business — Federal Trade Commission. Supplier risk assessment and vendor-breach response.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education. Policy wording and applicable state rules determine terms for a particular business.
Updated 2026-09-28. Editorial Policy
Get Help With Insurance Buying and Renewals.
Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.