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Professional Liability Program

Maven means one who is an expert or connoisseur in their field.  Just as you are a Maven in your profession, at Balance Partners, our Maven team is here to focus on the unique exposures of your professional clients.  Our goal is to understand your client’s business and help you build a professional liability policy that suits their individual needs.


  • Limits up to 2M/4M

  • Deductibles as low as $500

  • Broad Professional Services Definition

  • Claims Made & Reported Professional Liability

  • Contingent Bodily Injury/Property Damage Included

  • Personal Injury Included

  • Occurrence General Liability Available on Most Classes

  • First Dollar Defense Available

  • Aggregate Deductibles Available

  • Prior Acts Coverage Available

  • 80/20 and 70/30 Hammer Clauses Available

  • Worldwide Coverage Available

  • Class Specific Coverages Available:

    • Media Liability Coverage

    • Lockbox Coverage

    • Mold Defense Coverage


  • 100+ Classes of business include, but not limited to:

    • Actuaries

    • Aestheticians

    • Bookkeeping

    • Burglar Alarm Consultants

    • Consultants

    • Court Reporters

    • Document Destruction

    • Escrow Agents

    • Expert Witnesses

    • Fitness Instructors

    • Funeral/Mortuary

    • Graphic Designers

    • Home Inspectors

    • Insurance Agents/Brokers

    • Medical Billing & Collection

    • Notary Publics

    • Property Managers

    • Real Estate Appraisers

    • Staffing/Temp Agencies

    • Virtual Assistants


Crystal Jacobs, RPLU


Crystal Jacobs is an industry leader with 20 years of experience specializing in developing and managing insurance program with a keen focus on professional liability.  She began her career working for a Lloyd’s Coverholder as Lead Underwriter managing multiple professional liability binding authorities.  Most recently, Crystal was Vice President and Program Manager of US Risk Pros® where she managed professional liability programs as a Coverholder for Lloyd’s of London.  Prior to that, she worked for the Big I of Texas as Vice President of their E&O Division serving as a resource for independent insurance agents professional liability coverage.  Specializing in professional liability, she has a unique experience in evaluating, comparing, developing and managing insurance products and programs.  Crystal holds a RPLU designation, has developed and taught multiple continuing education seminars and has authored many new insurance programs over the past 20 years.

Amy Northcutt

Associate Underwriter

Amy has over 20 years of experience in various lines of business with the heavy focus for the past 15 years in Professional Liability.  Amy came to us from U.S. Risk Pros® where she played a vital part in managing the Lloyd’s professional liability programs as an Assistant Underwriter.  Prior to that, Amy worked for a large wholesale broker.  She is well known for her superior customer service and commitment to quality assurance.

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