Virtually every business faces liability risks, but some have special exposures related to their profession or industry. Physicians, attorneys, and other professionals may be subject to malpractice suits if their performance falls short of expectations. Officers of corporations or nonprofit organizations may face liability for issues such as negligence by the organization that takes place “on their watch.” They may also be liable for actions that they take individually, as part of their official roles, that are determined to have harmed a person or organization in some way.
Protection from these varying risks falls under the general category of professional liability and specialty insurance. Listed below are some of the categories our specialists may recommend after a thorough assessment of your business and its unique risks. We’ve made a specialty out of making sure our business and professional clients have their range of risks covered. We’ll worry about the details so that you can focus on what you do best: delivering excellent performance in your business or profession.
- Directors & Officers Insurance—Provides protection for your company’s senior leadership in the event of litigation related to their roles in managing your organization.
- Errors & Omissions Insurance—From printers and publishers to mechanical repair contractors, many businesses are at risk of making mistakes in the performance of their work that may harm someone in some way. Errors and Omissions Insurance tailored to your specific industry or profession will help protect you from losses due to these events.
- Cyber Liability Insurance—Covers liability risks related to a company’s use of technology, such as financial harm done to customers when a data breach allows theft of sensitive personal or financial information.
- Employment Practices Liability Insurance—Provides protection from risks that employers face, such as exposure to claims made by current, former, or prospective employees, of discrimination, unfair hiring practices, sexual harassment, or wrongful termination.
- Pollution Insurance—Addresses risk of claims by third parties of damage or injury resulting from a company’s release of hazardous materials in the course of operations.