Professional Liability
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
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- Druggists
- Engineers
- Funeral Directors
- General Contractors
(whether or
not Design/Build is used)
- Hearing Aid Fitters
- Home Inspection Services
- Opticians
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- Optometrists
- Orthodontists
- Pedorthists
- Printers
- Programmers
- Realtors
- Veterinarians
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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.
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