Professional Liability - W.E. Davis Insurance

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When one thinks of professionals … doctors, lawyers, accountants and architects usually come to mind. However, there are many other professions that have an exposure for malpractice.

Professional Liability is also called Errors and Omissions, but the basic coverage is the same. It covers a mistake or error in judgment by the professional who is trained in a specific field and a claim is presented for monetary damages. An error or omission may not result in physical injury to a person or property damage to physical property, thus professional liability is needed because it covers acts and decisions by the professional, whether or not physical injury or property damage occurs.

The types of businesses listed below have a Professional Liability exposure and should consider a Professional Liability policy for their protection. We can help with the following:

  • Animal Groomers
  • Architects
  • Artisan Contractors
  • Barbers
  • Beauticians
  • Consultants
    (Computer, general, business, etc.)
  • Dentists
  • Druggists
  • Engineers
  • Funeral Directors
  • General Contractors
    (whether or not Design/Build is used)
  • Hearing Aid Fitters
  • Home Inspection Services
  • Opticians
  • Optometrists
  • Orthodontists
  • Podiatrists
  • Printers
  • Programmers
  • Realtors
  • Veterinarians

Professional coverage for the above classes is usually added to a commercial package, but can be written on a
“stand alone” basis.

Limits begin at $300,000 and can go up to $25,000,000 with a commercial umbrella. Professional coverage is usually written on a “Claims Made” basis, but we do offer the broader “Per Occurrence” coverage on some programs.

Contact us and we will be happy to send you a specific application for your profession. We welcome the opportunity to work with you.

W.E. Davis Insurance is here for you when you need us.

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