Solutions · Professional liability
Coverage opinions drafted in under an hour.
E&O, D&O, cyber, employment practices — the coverage-form language in professional liability policies is among the most complex in insurance. What takes your team a week, Jarel drafts in an hour. Fully cited. Ready for attorney review.
E&O and D&O policies are written to be interpreted, not read — and interpretation takes hours.
Retroactive dates, claims-made triggers, professional services definitions, cyber sub-limits, and conduct exclusions interact in ways that require expert interpretation. A gap in coverage continuity or a missed retroactive-date trigger isn't just an error — it's a dispute, a litigation risk, a regulatory notice. That interpretation used to take hours of careful reading. With Jarel, it takes minutes — and every conclusion is cited to the exact policy section that supports it.
Use cases
Coverage opinions
Analyse the policy stack against a claim notification and produce a draft coverage opinion with full citation — in minutes, not hours.
Retroactive date analysis
Identify claims-made triggers, retroactive dates, and extended reporting periods across all towers — and flag any gaps in coverage continuity.
Cyber liability review
Analyse cyber coverage sub-limits, waiting periods, ransomware exclusions, and war exclusions across any policy form — standalone or package.
How Jarel helps
Claims-made policy expertise
Jarel understands trigger language, retroactive dates, ERP provisions, and tail coverage across all major E&O, D&O, and cyber forms from all major markets.
Multi-tower coverage mapping
Map coverage across primary, umbrella, and excess layers for any single notification — identifying drop-down provisions, exhaustion triggers, and gap exposures.
Position letter drafting
Generate coverage positions and reservation-of-rights letters with all relevant policy language quoted inline — ready for attorney review, not from scratch.
E&O vs. D&O distinction
Classify professional services allegations precisely across E&O, D&O, EPL, and fiduciary liability towers — Jarel understands the boundaries between forms.
Get started
Draft a coverage opinion live, with us.
Bring your most complex E&O or D&O notification to a 45-minute session. We’ll produce a cited draft position before the call ends.