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Please answer the following 4 questions so that we can direct you to the correct form.

1.	The applicant holds a valid state license or certification in each state in which he/she provides appraisal services. If you are a Trainee, you have passed the initial exam (if required) or any other state requirements.	True False

2.	The applicant does not appraise any real estate in which he/she has an ownership interest.	True False

3.	The applicant has not been disciplined or investigated by any state licensing, administrative or regulatory board as a result of appraisal activities within the past 5 years.	True False

4.	There have been no claims reported and/or pending circumstances which could result in a claim made against the applicant within the past 5 years.	True False

Please select your state from the following list.

Please answer the following 9 questions so that we can direct you to the correct form.

1.	No member of the applicant firm has had their license revoked or been subject to any disciplinary action, investigation, inquiry or fine by any licensing board, regulatory agency or professional association within the last 5 years.	True False

2.	The applicant firm does not presently, nor has it in the past 5 years, performed any audit / attest services for publicly held clients.	True False

3.	The applicant firm’s total gross revenues have not exceeded $250,000 in any year for the last 3 year period.	True False

4.	The applicant firm has not provided any tax advice, counsel or opinion; nor organized, sold or prepared any sales material with respect to tax shelters or other tax advantaged investments or any “reportable transaction” as defined in Treasury reg. Sec 1.60011-4(b).	True False

5.	The applicant firm or anyone to whom this insurance will apply is not aware of any professional liability claim, or any acts, omissions or personal injuries which might reasonably be expected to be the basis of a claim made against them within the past 5 years.	True False

6.	For services provided on audit engagements or non-attest services for audit clients, the applicant firm has a procedure that requires that engagement letters are used on new engagements and updated as required if the engagement changes.	True False

7.	In the past 5 years, the applicant firm or any member of the firm has not performed services or consented to the use of its work product in connection with any public or private offerings of securities.	True False

8.	Within the past 3 years the applicant firm has not sued to collect unpaid fees.	True False

9.	No member of the applicant firm has discretionary authority to invest client funds.	True False

Because you answered False to one or more of the previous questions, we need to ask you a few more.

Your accounting firm:

1.	Has gross annual billable income of less than $1,000,000 for the current fiscal year	Yes No

2.	Has professional staff of 6 or fewer	Yes No

3.	Is requesting $2,000,000 or less in aggregate limits of liability	Yes No

4.	Generates 50% or less of your gross annual billable income from audit engagements	Yes No

5.	Has NOT audited any publicly held clients in the last five years	Yes No

6.	Has NOT performed any services, or consented to the use of the firm’s work product, in connection with public or private offerings of securities, real estate or other investments during the last five years	Yes No

7.	Does NOT have members or employees that have been the subject of disciplinary proceedings or reprimand by any court, administrative agency or professional association as a result of your professional services	Yes No

8.	Does NOT have members or employees that invest client’s funds or has discretionary control over any client funds.	Yes No

9.	Does NOT have members or employees that have received commissions for the promotion, referral or sale of securities, insurance products or other investments	Yes No

Claims History – You must respond "Yes" to (a) or (b) below:

Please select your state from the following list.

Please answer the following 7 questions so that we can direct you to the correct form.

1.	No owner, agent or member of the applicant company has had their license revoked, been investigated or been subject to any disciplinary action by any licensing board, real estate association or other regulatory body within the last 5 years.	True False

2.	No owner, agent or member of the applicant company has been cancelled, refused insurance or declined by an insurance carrier during the last 5 years (except due to loss of market or non payment of premium).	True False

3.	No owner, agent or member of the company is involved in appraisal services, property management, development or construction.	True False

4.	No owner or agent of the company has an exclusive listing agreement with any builder/developer.	True False

5.	The applicant’s combined total gross revenues did not exceed $300,000.00 for the last three (3) year period (gross revenues are defined as all fees and commissions before expenses payable to employees and independent contractors).	True False

6.	The applicant and anyone to whom this insurance will apply is not aware of any professional liability claim or any acts, errors, omission or Personal Injuries which might reasonably be expected to be the basis of a claim made against them within the past 5 years.	True False

7.	No owner, agent or member of the applicant has provided services related to pre-foreclosed or bank owned properties that included involvement in any eviction procedures, delivering or negotiating cash for keys offers or property rehabilitation.	True False

Please select your state from the following list.

Sorry but we can't provide a quote in your state at the moment.

The following premiums are available. If you'd like to proceed, click continue to complete the pre-priced application form.

	Claims expenses are outside of the limit of liability
Deductible loss & expenses	$100,000 / $300,000	$250,000 / $250,000	$500,000 / $500,000	$500,000 / $1,000,000	$1,000,000 / $1,000,000
$1,000	$508	$536	$597	$633	$663
$2,500	$450	$479	$540	$575	$606
$5,000	$369	$398	$458	$494	$525

Please note the premiums above will be subject to state taxes or surcharges where applicable.

The following premiums are available. If you'd like to proceed, click continue to complete the pre-priced application form.

	Claims expenses are outside of the limit of liability
Deductible loss & expenses	$100,000 / $300,000	$250,000 / $250,000	$500,000 / $500,000	$500,000 / $1,000,000	$1,000,000 / $1,000,000
$1,000	$975	$1,030	$1,147	$1,215	$1,274
$2,500	$865	$920	$1,037	$1,105	$1,164
$5,000	$708	$764	$880	$949	$1,007

Please note the premiums above will be subject to state taxes or surcharges where applicable.

Professional liability insurance

Our specialty insurance service for professionals:

Affordable, customized professional insurance coverage from 'A' rated insurers

Licensed and experienced advisors - who understand your business

Direct phone access to your own, US-based, personal advisor

At InsuranceBee we speak your language and understand your business and we're committed to setting a new standard in arranging professional liability insurance for freelancers, independent consultants and small firms.

Quality professional liability coverage at competitive rates

Small consulting firm	from $270	More \| Get a quote
Independent IT contractor	from $400	More \| Get a quote
Insurance broker	from $1,250	More \| Get a quote
Real estate agents	from $369	More \| Get a quote

Read more about professional liability insurance.

We also specialize in general liability, and workers' compensation insurance.

Take your own advice: get covered

It’s a risky world out there.

For you, that’s both a good and a bad thing. More clients come to you for protection against those risks which means you're nice and busy. That's the good news.

The bad news is that more clients for you also means more risk for you. With each new account comes the added likelihood of a claim against you.

Missed a renewal? Arranged the wrong policy? As your expertise lies in reducing risk for others, it makes sense to heed your own advice and protect your business too.

Professional liability insurance covers the legal costs and damages you're liable for if a client sues you for a mistake you've made.

Image: Insurance by alancleaver_2000 | flickr.com
Specialist coverage that's right up your street

Rent or buy? City or suburbs? Apartment block or studio flat?

Just some of the many questions your clients will ask you, the expert. And given that you are the expert, your clients will look to you to evaluate the pros and cons of their dream moves.

However, if that dream move turns into a nightmare, it may come as a surprise to hear that this same expertise leaves you open to a potential claim of professional negligence.

If the worst does happen, errors and omissions insurance will cover the legal costs of a claim or an allegation of negligence against you, and any damages you’re liable for.

Image: House Plans: Overview by Fugue | flickr.com
Evaluate your own protection

Whether it's a rural farm or a big city apartment, your clients expect your valuations to be both accurate and reliable.

You're a professional and your opinion is highly regarded; and relied upon for a multitude of significant decisions.

Of course you don't take this responsibility lightly but, no matter how meticulous you are, disputes over valuations are always a potential risk.

Our assessment? If something does go wrong, you'll need to defend yourself. Professional liability insurance provides essential cover for both the legal costs of a claim and any damages you're liable for.

Image: Pune Properties by nancyarora2020 | flickr.com
Protection that really adds up

When it's their money in your hands, your clients can be demanding. Naturally, they expect accuracy and attention to detail.

And you consider you're a safe pair of hands. You pride yourself in the quality of the service you offer your clients. You're meticulous in your work and an expert in your field.

But what happens when the books don't balance? If a disgruntled client alleges you've made a mistake and it's cost them, you'll need to defend yourself.

A professional liability insurance policy covers the cost of your defence and any damages you’re liable for.

Image: Calculator and Money by Images_of_money | flickr.com
Sophisticated cover without the 404

Technology is all about zeros and ones: it either works or it doesn't. At least that's what your clients think.

In fact, the majority of the products or services you offer are likely to be highly complex, with countless opportunities for error.

The fact that your client may lack the technical knowledge to realistically evaluate the solution you deliver can compound the problem.

Despite your expertise and your best efforts, mistakes can happen and disagreements with clients can arise.

The solution is professional liability insurance. If a client does claim against you, whether they have a case or not, it pays for your legal defence costs and any damages you're liable for.

Image: Server room at CERN by torkildr | http://www.flickr.com
Valued added coverage

In these uncertain times, planning your own future is hard enough. Helping your clients plan for theirs is even more difficult.

If they've asked for your business expertise, your analysis and advice will be under scrutiny leaving you potentially vulnerable to harmful allegations of negligence.

If things don’t go according to plan, they'll look to you to fix the problem or compensate them if you can't.

You don't need a sixth sense to see that your reputation and your finances need protection. Professional liability insurance covers the consequences - and the cost - of a disgruntled client pointing their finger in your direction.
Limit your risk not your business

Chances are, if you're offering a specialist service, you'll need some specialist insurance.

Any business that gives advice or offers specific expertise should protect itself with professional liability insurance.

Why? Put simply, it helps fight your corner.

If a dissatisfied client accuses you of doing something wrong, or if you make a genuine mistake (which happens more often than you might think), your policy will defend you and protect your interests.

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Surveyors
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Design
Other professionals Image: I Am, Who I Am by Jeff Filman | flickr.com

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*Coverage summaries and descriptions are provided for illustrative purposes only and are subject to the applicable policy terms, limits, conditions, and exclusions. Not all insurance products and services are available in all states.

(a)	Has gross annual billable income of less than $1,000,000 for the current fiscal year	Yes No

(b)	Has professional staff of 6 or fewer	Yes No

Professional liability insurance

Our specialty insurance service for professionals:

Quality professional liability coverage at competitive rates

Take your own advice: get covered

Specialist coverage that's right up your street

Evaluate your own protection

Protection that really adds up

Sophisticated cover without the 404

Valued added coverage

Limit your risk not your business