Professional Liability

Miscellaneous Professional Liability and Errors & Omissions

Miscellaneous professional Liability products are available for a variety of professional service firms. Coverage may be written as a stand-a-lone policy or add separate coverage parts such as General Liability or Property to create a package.

Our top classes include:

• Management Consultants
• Personal Lines Insurance Agent
• Allied Healthcare
• Franchising Services
• Real Estate Agents
• Specified Professions (over 80 classes)
• Property Managers
• Property Preservation Services
• Customer Software Development

Employment Practices Liability:
Products available for employers with up to 500 employees and includes coverage for defense costs outside the limit (up to 200 employees), a broad definition of Wrongful Employment Act, punitive damages (state restrictions apply), and a FREE human resources hotline available with some products (no limit on number and length of calls). Third party discrimination and harassment option is available to most classes.  Special product available for medical providers.

Community Association Product:Target is small to medium sized associations with up to 1,000 units. Coverage features include automatic additional insured status for the property management company, third party harassment and discrimination coverage, as well as non-monetary coverage and defense coverage for breach of contract claims in most states.  Crime Insurance is available.

Non Profit Directors & Officers Liability:
Our product has a separate and additional limit for employment practices liability, thus protecting the directors and officers limit. Fiduciary Liability starts at $100 and our “occurrence feature” of a lifetime occurrence reporting provision for former directors and officers further differentiates our product. New coverage features include expanded defense and settlement language as well as the definition of loss, personal injury, breach of contract, final adjudication, most favorable venue and a 75/25 hammer clause.

Corporate Directors & Officers Liability:
Private companies with up to $350 million in assets and 500 employees. Separate Directors and Officers (D&O) and Employment Practices Liability (EPL) limits, up to $1 million separate defense cost limit for the D&O, coverage for defense costs outside the limit for the EPL (up to 200 employees), unlimited extended reporting period for former directors and officers, and full entity coverage are just a few of the many features.