Why new service firms buy professional liability
There is usually no state minimum. The requirement comes from clients and partners:
- Client contracts. Enterprise and government clients routinely require professional liability, often with cyber coverage.
- Real estate businesses. Brokerages and property managers need E&O, and property managers also need general liability.
- Health and wellness practices. Malpractice or professional liability is often required by a practice's credentialing or lease.
- IT and software firms. Technology E&O and cyber go together for most client contracts.
Which new filings to call first
- Consulting, marketing, and staffing firms. Their first enterprise client usually asks for a certificate.
- IT services and software companies. Tech E&O plus cyber is a natural bundle.
- Property management and real estate firms. E&O plus general liability.
- Clinics, therapists, and wellness practices. Professional liability is often required to operate or contract.
A first call that works
"Hi, is this [name]? This is [your name] with [agency]. I saw [business name] just registered, congratulations. When you sign your first bigger client, they'll probably ask for professional liability on the contract. Is that something you've looked at yet?"
Open with the requirement they are about to hit, not with "I sell insurance." More openers, voicemails, and follow-up emails are in the calling guide. Before you dial, check the TCPA basics.
How FiledToday helps
Each weekday, FiledToday takes Florida's new filings for your county, removes holding companies and filing services, and finds the owner's phone number. You can ask for the list filtered to the categories above. Every delivered lead has a phone number; email and website are included when found. Plans run $99 to $249 a month depending on county size, month to month, and you can get a free county sample first.