Professional liability covers claims that you made a mistake, gave bad advice, or failed to perform as promised — and that failure caused financial harm.
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We read your client agreements to understand actual liability exposure. Some contracts assume liability you can't reasonably bear — we flag these and structure coverage or negotiate terms accordingly.
We structure coverage to protect against claims arising from work done before the policy started — critical when you're changing carriers or just getting coverage for the first time.
Professional liability claims are often about principle, not money. We work with insurers who understand the reputational component and manage defense costs aggressively to resolve claims efficiently.
For licensed professionals, we include or add coverage for state board complaints and license defense — protecting your ability to practice, not just your bank account.
but standard E&O policies often exclude the very risks professionals face — vague negligence definitions, prior acts gaps, and defense costs that erode your limits. Velora structures E&O programs for engagement-specific exposures, contract requirements, and license protection across consulting, creative, and technical practices
Book a ConsultationGet a short, confidential Risk Readiness Snapshot that highlights potential insurance, contract, and compliance pressure areas — built for growing businesses and investment-backed organizations.
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Choose the path that best fits where you are in your insurance journey.
Have questions or want guidance before moving forward?
Get pricing and coverage guidance for your business.
Already have insurance? Appoint Velora Risk Partners.
Meet with a Velora Risk Advisor to review your business, current insurance, & next steps.
Have questions or want guidance before moving forward?
Get pricing and coverage guidance for your business.
Appoint Velora as your broker of record so we can review and optimize your existing insurance—without disrupting active policies.
Already have insurance? Appoint Velora Risk Partners.
Collect minimum info to prepare BOR paperwork + route to the right specialist.
Already have insurance? Appoint Velora Risk Partners.
We’ll prepare the required BOR form(s) based on your carriers and coverage.
Already have insurance? Appoint Velora Risk Partners.
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