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Intake Checklist

Professional Services — Commercial Insurance

Everything you need to collect before submitting a commercial account for accountants, consultants, real estate agents, marketing agencies, IT firms, and other licensed professionals.

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How to use this checklist: Work through each section with your client — by phone, email, or in person. Check each box as you collect the information. Flagged items ⚠ UW are common underwriting triggers — collect extra detail before submitting.
1

Business Information

Legal Business Name
DBA / Trade Name (if different)
Entity Type
LLC / S-Corp / C-Corp / Sole Proprietor / Partnership / LLP / Professional Corporation (PC)
FEIN (Federal Employer ID)
Years in Business
Business Address
Home-Based or Office-Based?
Home-based businesses may be excluded under a homeowner's policy — confirm GL is in force
Primary Contact Name, Phone & Email
Website
2

Professional Services & Licensing

Type of Professional Services Provided
e.g. Accounting / CPA, Business Consulting, IT / Technology, Marketing / PR, Real Estate, Legal, HR Consulting, Engineering, Architecture, Financial Planning
Professional License(s) Held
License type, number, issuing state, and expiration date
Industries / Client Types Served⚠ UW
E&O pricing and eligibility varies by client industry — note if they serve financial institutions, healthcare, or government clients
Services Provided Outside the U.S.?⚠ UW
International exposures often require a manuscript endorsement or separate policy
Annual Gross Revenue / Billings
Largest Single Client as % of Revenue⚠ UW
Heavy concentration in one client increases E&O exposure — over 25% is often flagged
Written Client Contracts / Engagement Letters Used?
Carriers favor businesses with signed contracts — reduces claim frequency and severity
Limitation of Liability Clause in Contracts?
Agent tip: E&O (Errors & Omissions) is the most critical coverage for professional services — and it's almost never included in a standard GL policy. Always quote E&O separately. If the client doesn't have it, explain that a single client dispute can exceed the cost of years of premium.
3

Employees & Contractors

Total Number of Employees (W-2)
Number of Licensed / Credentialed Professionals on Staff
CPAs, licensed engineers, attorneys, financial advisors — each adds to E&O exposure
Annual Total Payroll
Independent Contractors / Freelancers Used?⚠ UW
Work performed by 1099 contractors may not be covered under the client's E&O — confirm how subs are supervised and whether they carry their own coverage
Do Contractors Carry Their Own E&O?
Employees Work Remotely?
Remote work can affect GL (premises liability) and cyber exposure
4

Technology & Cyber Exposure

Client Data Stored or Processed?⚠ UW
Financial records, PII, health information, legal documents — any stored client data is a cyber exposure
Cloud-Based Systems Used?
e.g. QuickBooks Online, Salesforce, Google Workspace, Microsoft 365, client portals
Multi-Factor Authentication (MFA) Enabled?
Many cyber carriers now require MFA as a condition of coverage
Regular Data Backups?
Technology Products or Software Developed / Sold?⚠ UW
Tech E&O is a separate coverage from professional E&O — required for SaaS, software development, and IT managed services
Prior Data Breach or Cyber Incident?⚠ UW
Agent tip: Cyber liability is no longer optional for professional services firms. A single ransomware attack or data breach can cost more than the annual premium many times over. If the client handles any client financial data, health records, or PII, quote cyber alongside E&O every time.
5

Office & Property

Own or Lease Office Space?
Office Square Footage
Business Personal Property Value
Computers, monitors, office furniture, specialized equipment
Clients Visit the Office?
Client visits create premises liability exposure — confirm GL limits are adequate
Landlord / Property Manager as Additional Insured?
Business Income Coverage Needed?
6

E&O — Errors & Omissions Detail

Current E&O Carrier & Policy Number
Current E&O Limits
Per claim / aggregate — e.g. $1M/$1M, $1M/$2M
Current E&O Deductible
E&O Policy Expiration Date
Retroactive Date on Current E&O Policy
Critical for claims-made policies — the new policy must match or go back further to avoid a coverage gap
Desired E&O Limits
Any Client Disputes, Complaints, or Threatened Claims?⚠ UW
Must be disclosed — failure to disclose known circumstances can void coverage
Agent tip: E&O policies are claims-made — coverage applies based on when the claim is filed, not when the error occurred. Always confirm the retroactive date before switching carriers. A gap in the retro date can leave years of prior work uninsured.
7

Prior Insurance & Loss History

Current GL Carrier & Expiration Date
Current Cyber Carrier & Expiration Date
Current WC Carrier & Expiration (if applicable)
Any Prior Cancellations or Non-Renewals?⚠ UW
E&O Claims — Last 5 Years⚠ UW
Date, description, amount paid, open/closed — request loss runs from prior carrier
GL Claims — Last 5 Years
Cyber / Data Breach Claims — Last 5 Years⚠ UW
8

Coverage Requested

Professional Liability (E&O)
Desired per-claim / aggregate limits and deductible
Commercial General Liability
Cyber Liability
Technology E&O (if applicable)
Required for IT consultants, software developers, SaaS providers, managed service providers
Commercial Property / BOP
Workers Compensation
Employment Practices Liability (EPLI)
Covers wrongful termination, harassment, discrimination claims — important once you have employees
Directors & Officers (D&O)
Relevant for incorporated firms, nonprofits, or businesses with a board
Umbrella / Excess Liability
Additional Insureds Required?
Clients, landlord, franchisor, or contracting parties who require AI status

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