Is your professional & nonprofessional service insurance protecting your business?

No matter what type of professional or non-professional service you provide, working in this industry presents unique risks that require tailored insurance solutions. Risks like professional liability claims, breach of contract accusations, negligence claims, and the financial impact of business interruptions can all damage a service business.

Whether you’re a consultant, freelancer, or service provider, the right insurance coverage safeguards your business and livelihood. Our insurance advisors have decades of experience customizing professional and non-professional insurance programs to help protect your unique business.

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Professional And Nonprofessional Services Insurance

Our professional & nonprofessional services insurance 
team will customize a quality program

Protect Your Business

  • Commercial general liability
  • Commercial umbrella and excess
  • Commercial property insurance
  • Business owner’s policy
  • Cyber liability
  • Equipment insurance
  • Fiduciary business insurance
  • Commercial auto insurance
  • Errors & Omissions

Protect Your Employees

  • Workers’ compensation
  • Employment practices liability (EPLI)
  • Directors & Officers
  • Management liability insurance
  • Medical and dental insurance
  • Life, disability, and long-term care
  • 401(k) plans
  • Payroll & HR solutions

Protect Your Clients

  • Fidelity bond
  • Performance bonds
  • License and permit bonds
  • Professional liability bonds
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The World Difference

World’s professional and nonprofessional services insurance team has decades of experience customizing coverage plans for a wide range of services, including professional services such as law firms and accountants, as well as nonprofessional services like security guard services and pet groomers.

Our priority is to provide clients not only with expansive coverage at competitive rates but also an exceptional customer service experience. Our strong partnerships with industry carriers enable us to find and secure the most comprehensive coverages in the market at cost-effective rates. And we provide personal service from our very first interaction through claims resolution. We are here to help protect your business so you can focus on more important things, like growing it!

Exceptional Service Experience

  • Current plan review and consultation
  • Exposure identification and analysis
  • Coverage and cost analysis
  • Loss control services and safety training
  • In-house claims advocacy services
  • White-glove customer service experience
  • Direct access to your construction insurance team

Professional Services 
Clients We Help

  • Law firms
  • Accountants
  • Insurance agents
  • Brokers/financial firms
  • Tech firms/it IT firms
  • Business consultants
  • Auto Service/repair shops
  • Architects
  • Education Companies
  • Freelance and Consulting
  • Graphic Designers
  • Interior Designers
  • Media and Advertising
  • Photographers
  • Veterinary Services

Nonprofessional Services 
Clients We Help

  • Janitorial services
  • Security guard services
  • Waste management and recycling
    Groomers
  • Dog training
  • Doggy Daycare
  • Landscaping/lawn care

FAQ About Professional & Nonprofessional Services Insurance

What are professional services?

Professional services are knowledge-based services provided by experts with high levels of training in their field. Some common professional services include legal services, accounting services, consultants, graphic designers, and IT services. In addition to providing assistance and services, these professionals often offer advice or specialized support to individuals and businesses in their field.

What are non-professional services?

Non-professional services refer to professions or services that do not require specialized training, certifications, or licenses. These services often prioritize hands-on experience over formal education. Common examples of non-professional services include janitorial or cleaning services, landscaping, pet grooming, security guard services, and general labor.

Should freelancers and consultants obtain professional services business insurance?

Yes, consultants and freelancers can greatly benefit from business insurance, as it helps protect them against various risks associated with their work. Professional services insurance can safeguard them from claims of professional liability, false advertising, breach of contract, or accusations of negligence by their clients. But there are many other types of coverage to consider as well. Working with an experienced insurance advisor can help you make the right decisions about your professional services business insurance program.

How much does professional & non-professional service insurance cost?

Just as insurance needs vary between businesses, the cost of insurance varies as well. The cost of insurance varies based on several factors, including the type of services offered, the level of risk involved, business size, location, and coverage amount. Professional services insurance for industries like legal or financial consulting may have different pricing compared to non-professional services like janitorial work or landscaping. Additional factors such as claims history, annual revenue, and the number of employees can also impact pricing. To get an accurate estimate, contact us and request a customized quote based on your specific business needs.

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World Insurance, as your licensed insurance broker, will confer with or advise you on the terms or conditions of insurance contracts, negotiate with insurance carriers and insurance providers on your behalf, and to obtain insurance coverages as requested. Our compensation for placement of insurance coverage, unless otherwise specifically negotiated and agreed to with our client, is customarily based on commission calculated as a percentage of the premium collected by the insurer and is paid to us by the insurer. We may also receive from insurers and insurance intermediaries (which may include World Insurance affiliated companies) additional compensation (monetary and non-monetary) based in whole or in part on the insurance contract we sell, which is contingent on volume of business and/or profitability of insurance contracts we supply to them and/or other factors pursuant to agreements we may have with them relating to all or part of the business we place with those insurers or through those intermediaries. Some of these agreements with insurers and/or intermediaries include financial incentives for World Insurance to grow its business or otherwise strengthen the distribution relationship with the insurer or intermediary. Such agreements may be in effect with one or more of the insurers with whom your insurance is placed, or with the insurance intermediary we use to place your insurance. You may obtain information about the nature and source of such compensation expected to be received by us, and, if applicable, compensation expected to be received on any alternative quotes pertinent to your placement upon your request.

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