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Professional Liability

Business People

Professional Liability

Professional liability insurance is required for professionals who operate their own businesses. With our affordable policies, you will be covered against financial losses resulting from lawsuits filed against your business by your clients. Professional liability insurance is a specialty coverage and is not included under homeowners' endorsements, in-home business policies, or business owner's policies (BOPs). We also offer commercial general liability insurance and workers' compensation.

Do I Need Professional Liability Insurance?

As a professional, you are expected to have extensive technical knowledge or training in your particular area of expertise. You are also expected to perform the services for which you were hired, according to the standards of conduct of your profession. If you fail to use the degree of skill expected of you, you can be held responsible in a court of law for any harm you cause to another person or business. When liability is limited to acts of negligence, professional liability insurance may be called "errors and omissions" liability.

Management Liability

Sometimes referred to as "human" liability, management liability insurance has to do with the management of a business. The most common forms of coverage are directors' liability, officers' liability, and employment practices liability coverage.

Management Liability

Director's & Officer's Liability

These forms of coverage protect the personal assets of a company's directors and officers from claims alleging that they have made improper decisions or failed to make proper decisions in their capacity as directors and officers. It also protects the company's assets.

Employment Practices Liability

Employment practices liability insurance protects business owners from claims brought by employees, former employees, and sometimes prospective employees alleging a variety of illegal acts. These include:

Discrimination  |  Harassment  |  Retaliation  |  Wrongful Termination