Recent trends in professional liability for civil engineers show some startling shifts. Once upon a time, professional liability was limited to errors and omissions, or, negligence in the performance of an engineer assignment. But today, civil engineers are facing claims from a broader range of exposures, from job site safety to defects in reports.

A common misconception among graphic designers and other digitally-based professionals is that working with a contract will cover all their professional liabilities.

Today, most faith organizations provide extensive services while operating on a very limited budget. Most face the complex challenge of taking on an expanded role in their communities with far fewer resources.

An incomplete application inhibits an accurate quote, and without an accurate quote, you’re less likely to get the kind of coverage that checks off all your client’s boxes or reflects the best possible pricing. Plus, trying to cut corners on the submission process ends up creating more back-and-forth between the broker and the underwriter.

In Canada, 70 percent of the workforce is employed by small and medium sized businesses, a significant portion of which comprise professional service providers. (1) These hardworking entrepreneurial professionals provide specialist knowledge to their clients, relying on their professionalism and quality of service to build them a solid reputation over time.

The need for cyber coverage continues to grow among businesses in the IT sector. According to a report in the CNBC last year, cyberattacks are now costing businesses an average of $200,000. 60 percent of these companies go out of business within six months of a digital incident. (1)