Professional Services

Professional Services2026-08-17T23:33:52-04:00

Recommended Insurance Products for Professional Services

Professional Liability

Errors & omissions: claims that your work, advice or service caused a financial loss.

General Liability

Third-party bodily injury, property damage and advertising injury.

Business Owners Policy

Bundles general liability, property and business income for small to mid-size risks.

Cyber Liability

Data breach response, ransomware, notification costs and regulatory defense.

Hired & Non-Owned Auto

Liability for rented vehicles and personal vehicles driven on company business.

Workers’ Compensation

Medical costs and lost wages for employees injured on the job. Required in New York.

Common questions about Professional Services

Answering the most frequently asked questions about Professional Services.

Can I change my coverage as my business grows?2024-07-10T16:43:19-04:00

Yes, you can adjust your coverage to match your business needs. It’s important to review your insurance policies regularly and make changes as your business evolves.

Is cyber liability insurance necessary for small professional service businesses?2024-07-10T16:42:33-04:00

Yes, even small businesses are at risk of cyberattacks and data breaches. Cyber liability insurance helps cover the costs associated with these incidents, including legal fees and notification costs.

How can I lower my insurance premiums?2024-07-10T16:37:42-04:00

You can lower your premiums by maintaining a good claims history, implementing risk management practices, and bundling multiple policies with the same insurer.

What happens if I don’t have the required insurance?2024-07-10T16:36:56-04:00

Without the necessary insurance, your business is exposed to significant financial risks. You may also face legal penalties if your profession requires mandatory coverage.

Do I need professional liability insurance if I work from home?2024-07-10T16:36:10-04:00

Yes, professional liability insurance is crucial regardless of your work location. It protects you from claims of negligence, errors, or omissions in your professional services.

Reviews from Semper Insurance clients

110-35 72nd Rd, Forest Hills

5.0 23 reviews

  • Lisa Duffner’s Avatar Lisa Duffner ★★★★★ 10 months ago
    I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget.
  • Justin Wheeler’s Avatar Justin Wheeler ★★★★★ 11 months ago
    We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
  • Grigoriy Priev’s Avatar Grigoriy Priev ★★★★★ a year ago
    Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks

We Are Semper Insurance

Semper Insurance is a lot of things – we’re a small business headquartered in New York, a licensed insurance broker – but first and foremost, Semper Insurance is a collection of passionate team members working hard to solve our Professional Services clients problems.

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