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Specialized coverage for law firms, CPA practices, consultants, architects, engineers, and professional service organizations across Pittsburgh, Western Pennsylvania, and the Mid-Atlantic.

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Your risk profile isn't standard. Neither is our approach.

Your most valuable assets (your reputation, your client relationships, your intellectual capital) don't appear on a balance sheet. We make sure they're protected.

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Why This Requires Expertise

Why Professional Service Firms Need Specialized Insurance

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Professional service firms carry a fundamentally different risk profile than general commercial clients, and most standard business insurance programs are not built to address it. Your exposures are intangible: a misinterpreted deliverable, a missed deadline, a data breach involving client records, or a dispute over professional judgment can generate a claim years after the engagement closed. Because professional liability policies are written on a claims-made basis, the structure of your coverage matters as much as its limits: retroactive date continuity, prior acts coverage, and tail provisions can mean the difference between a manageable claim and an existential one.

At Simpson | McCrady, we understand that for firms where one claim can define a decade, the right broker isn't simply placing a policy. They are advising on coverage architecture, monitoring regulatory liability shifts, stress-testing policy language against the specific services your firm provides, and advocating for your interests with carriers who specialize in professional risk. That is the level of expertise we bring to every professional service firm relationship we manage.

What We Cover

Coverage Designed for Knowledge-Based Businesses

Professional Liability Insurance

Core coverage protecting your firm against claims alleging negligence, errors, or omissions in the professional services you deliver, including defense costs, settlements, and judgments. Structured on a claims-made basis with careful attention to retroactive date continuity so prior engagements don't become unprotected exposure.

Errors and Omissions (E&O) Insurance

E&O coverage matched to the specific services your firm provides, whether you're advising clients on financial matters, legal strategy, architectural design, or management consulting. We align coverage language to your actual scope of work so ambiguity doesn't become a gap when a claim arrives.

Management Liability Insurance

A coordinated suite of protections (typically combining Directors and Officers (D&O), Employment Practices Liability (EPLI), and Fiduciary Liability) that shields firm leadership and the organization itself from claims arising out of governance decisions, employment actions, and benefit plan administration.

Directors and Officers (D&O) Insurance

Protection for firm principals, managing partners, and board members facing personal liability claims arising from decisions made in their leadership capacity, including claims brought by clients, employees, investors, or regulators.

Cyber Liability Insurance for Professional Firms

Cyber coverage addressing the specific exposures of professional service firms: client data breach notification costs, regulatory defense, ransomware response, business interruption, and third-party liability arising from a network security failure. Structured for firms managing confidential client files and regulated data.

Employment Practices Liability (EPLI)

Coverage for claims brought by current, former, or prospective employees alleging wrongful termination, discrimination, harassment, or failure to promote, with defense support from carriers experienced in professional services environments.

Commercial Property and Business Interruption

Protection for your physical office space, equipment, and technology infrastructure, plus business interruption coverage that accounts for the revenue impact of an event that displaces your team or disrupts client service delivery.

Commercial General Liability (CGL)

Foundational third-party coverage for bodily injury and property damage claims arising from your business premises or operations, required by most commercial leases and a necessary component of any complete professional services insurance program.

Workers' Compensation

Statutory coverage protecting your employees in the event of a work-related injury or illness, structured for the professional services environment and coordinated with your overall risk management program.

Umbrella and Excess Liability

Additional liability limits above your underlying policies, essential for professional service firms with significant contract requirements, high-value client engagements, or exposures that exceed standard primary policy limits.

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Our Approach

An Independent Advisor, Not a Transactional Broker

Professional service firms deserve more than a policy renewal and an annual certificate. As an independent broker, Simpson | McCrady represents your interests, not any single carrier's, which means we evaluate your risk program against the full market and advocate for the coverage terms, conditions, and pricing your firm has actually earned.

Our commercial specialists take time to understand how your firm operates: the nature of your client engagements, how your services are contracted, where your concentration of risk lies, and how your coverage program should evolve as your firm grows. We navigate admitted and surplus lines markets to reach the carriers best suited to your firm's size, sector, and risk profile, and we do it with the responsiveness that large national brokers rarely extend to mid-size accounts. When a claim occurs, we are in your corner, managing the process, communicating directly with carriers, and working to protect the outcome your firm needs.

Rooted in Pittsburgh and serving professional service firms across Western Pennsylvania and the Mid-Atlantic, Simpson | McCrady combines the local market relationships and community presence of a regional broker with the carrier access and technical depth those firms typically only find at a national firm. That combination is difficult to replicate, and it's what our clients have relied on for more than 100 years.

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Firm Credentials

The Depth Behind Your Coverage

100+

Years in Business

$20B+

In Insured Assets

5,000+

Clients Served

Independent

Always Working for You, Not the Carrier

Speak with a Trusted Advisor

Speak With an Advisor

Professional Service Firms

Coverage Specialist

One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.

Prefer to call? 412-261-2222 · info@simpson-mccrady.com

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