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If you've spent the last few years upgrading your house — a whole-home audio system here, a leak detection network there, a smart lock ecosystem, a video surveillance array, maybe a home battery paired with rooftop solar — your homeowners policy may be running well behind what you actually own. Not because you chose bad coverage. Because the house

We've been placing errors and omissions coverage for DC-area professional service firms long enough to have seen the same gap show up across different industries, firm sizes, and billing structures. The firms themselves are often well-run and smart about their business — and still carrying E&O limits that don't match what they're actually doing. That disconnect is worth talking