Affordable insurance starts with an easy quote
Investment Advisor Insurance primarily Professional Liability or Errors & Omissions (E&O)protects financial professionals against claims of negligence, misrepresentation, or failure to perform professional duties. For Registered Investment Advisors (RIAs), this coverage is the safety barrier between a client’s market loss and your firm’s bankruptcy. It covers legal defense costs and settlements if a client alleges your advice caused them financial harm.
In the financial sector, a single allegation of “unsuitable advice” can cost six figures to defend, regardless of merit. The regulatory environment is aggressive; the SEC (Securities and Exchange Commission) explicitly warns that while federal law doesn’t federally mandate E&O for all RIAs, state regulators frequently do, and fiduciary duty implies a responsibility to maintain financial solvency to pay claims. Without coverage, a single lawsuit from a dissatisfied high-net-worth client could trigger a violation of your net capital requirements.
We build policies that align with your AUM and specific investment strategies.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Risk Area | Standard General Liability | Professional Liability (E&O) |
|---|---|---|
| Investment Advice Error | ✖ Excluded | ✔ Covered |
| Failure to Supervise | ✖ Excluded | ✔ Covered |
| Regulatory Fines | ✖ Excluded | ✔ Covered (Policy Dependent) |
| Breach of Fiduciary Duty | ✖ Excluded | ✔ Covered |
“How much does RIA insurance cost?” Premiums are driven by your Assets Under Management (AUM), the type of assets you recommend (alternatives vs. mutual funds), and your claims history.
Your clients trust you to diversify their portfolios; you should diversify your risk transfer options too. “Independent Means Multiple Choices.”
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.
If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.
Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.
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