Cyber, E&O, EPLI, D&O, and more for modern businesses

Specialty Lines Insurance

As business risks evolve, so must your coverage. Specialty Lines address exposures that standard commercial policies weren't built for — data breaches, professional errors, employment claims, and management liability. These coverages are no longer optional for businesses of any size.

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At a glance

Specialty Lines

Reviewed by a
licensed agent
Avg. Data Breach Cost
$4.4M (IBM 2023)
Policy Type
Claims-made (most specialty lines)
Key Term
Retroactive date — protects prior acts
Market
Surplus lines / E&S for many specialty risks

Watch for: General liability doesn't cover a professional mistake or a data breach. Each needs its own policy.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers07

  • Cyber Liability — data breaches, ransomware, regulatory fines, breach notification costs
  • Professional Liability (E&O) — claims from errors in your professional services
  • Employment Practices Liability (EPLI) — wrongful termination, harassment, discrimination
  • Directors & Officers (D&O) — claims against your management team
  • Crime / Employee Dishonesty — theft by employees or third parties
  • Fiduciary Liability — claims related to employee benefit plan management
  • Miscellaneous Professional Liability — tech companies, consultants, advisors

Who needs it06

  • Any business storing customer data → Cyber Liability
  • Professionals providing advice or services → E&O
  • Any business with employees → EPLI
  • Companies with a board of directors → D&O
  • Tech companies, SaaS, and software businesses
  • Healthcare providers, financial advisors, and consultants

Questions

About specialty lines, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    General Liability

    Core protection every business needs
  2. 02

    Commercial Property

    Protect your buildings, equipment, and inventory
  3. 03

    Umbrella / Excess

    An extra layer of protection above your primary policies

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with specialty lines options from more than one carrier, explained in plain English.

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(623) 873-1234
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