Yes, and collect certificates from subcontractors. Their errors can become your claim.
Increasingly yes, particularly corporate clients, who often specify E&O and cyber minimums.
Cyber liability responds where the breach traces to your systems or credentials. Confirm the wording.
Access. You hold client logins, calendars and payment systems, which makes cyber liability and crime coverage central.
E&O responds to claims your administrative errors caused a client loss, including missed deadlines and miscommunication.
