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Professional Liability

Professional Liability

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

We understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

While it’s important for your business to have general liability coverage for property damage and bodily injury, We Recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

What are the coverages?

Errors and Omissions Liability (E & O)

E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Fiduciary Liability

Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Directors and Officers Liability (D & O)

Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Employment Practices Liability

With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination. Contact a reprentative with today to prevent mistakes and errors from becoming major losses for your business.

Tailoring Policies to Your Needs and Budget.

We work hard to shop various policies on your behalf, seeking the best options at the most competitive prices. We also review all potential discounts you may be eligible for to help lower your rates. This review is ongoing, and we’ll remain proactive on your account. So, whether you needs are, personal or business, turn to us for all of your insurance needs.

Learn more by calling us at 239-313-2045 or by emailing our insurance agency.

We look forward to hearing from you!

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