Professional Liability

Accountants

Financial reporting involves considerable discretion. Managers, lenders, investors and others who base business decisions on financial information depend on the accuracy of an accountant's findings and opinions. An accountant who commits an error or omission in the execution of accounting and auditing services is likely to be named in a lawsuit holding him liable for losses resulting from a misinformed business decision.

Advertising Agency and Multimedia Services

protects against libel, slander and copyright infringement

Architects and Engineers

provide professional liability coverage for engineering and architectural services.

Association Liability

protect associations, including directors, officers and employees from the effects of litigation and damage awards arising from accusations of professional misconduct or negligence.

Bankers and Financial Institutions

insure bankers and banking institutions against claims of actual or alleged negligent acts, errors or omissions in the rendering or failure to render scheduled professional services to third parties for compensation

Chiropractors

provide coverage for chiropractors, chiropractic professional organizations and their employees against claims of actual or alleged malpractice and/or negligence, errors or omissions.

Consultants and R&D Firms

covers liability for claims made against the Insured during the policy period alleging damages from actual or alleged negligent acts, errors or omissions committed by the Insured during the policy period. Protection is provided for rendering management consulting, other types of consulting services, or research and development services performed by the Insured or by any person or organization for whose conduct the Insured is legally liable.

Contractors Professional

provide Professional Liability Insurance on an annual or project specific basis for contractors engaged in design-build projects.

Electronic Data Processors

covers computer professionals for negligent acts committed while performing activities such as systems analysis, system design, programming, data processing, consulting, outsourcing, system integration, information services, marketing, selling, servicing, distributing, installing and maintaining computer hardware and software and training in the use of such hardware or software.

Employed Lawyers

covers wrongful acts the employed lawyer commits, while employed by the corporation in the performance of or failure to perform professional services as an attorney.

Errors and Omissions

addresses the needs of engineers and consultants who provide professional services and render professional opinions during business. It also covers the professional and pollution exposures associated with other supporting industries such as environmental laboratories.

General Health Care Providers and Facilities

covers registered licensed practical nurses, nurse practitioners, physician's assistants and physical therapists against claims of actual or alleged malpractice for negligence, errors and omissions including personal injury.

Home Health Care and Supplemental Medical Staffing Agencies

provide coverage for Home Health Care and supplemental staffing agencies and their professionals against claims for negligent acts, errors and omissions.

Indoor Tanning Salons

provide coverage for operations of tanning salons including tanning beds.

Internet Professionals

covers corporations, partnerships, their subsidiaries and individuals for their errors or omissions in providing Internet related services, as well as for claims of copyright for content or trademark infringement, computer virus and unauthorized access.

Law Enforcement

provide coverage for a law enforcement agency from wrongful act claims of a third party arising out law enforcement activities. The coverage provides protection for the law enforcement department as well as the employees of the department. Coverage is purchased as a stand alone policy or in an endorsement to a general liability policy. Coverage is obtained on an occurrence basis or on a claim made basis.

Lawyers

indemnifies the Insured for all sums that the Insured shall become legally obligated to pay as damages arising out of any negligent act, error or omission of the Insured. Coverage pays solely for rendering or failing to render professional services for others in the capacity as a lawyer.

Managed Care

protect managed care organizations against claims from third parties arising out of vicarious liability for medical malpractice, wrongful denial of benefits, administrative errors and actions of directors and officers of the entity. The policy provides professional liability and directors and officers' liability.

Management Consultants

indemnifies the Insured for all sums that the Insured shall become legally obligated to pay as damages arising out of any negligent act, error or omission of the Insured. Coverage pays solely for rendering or failing to render professional services for others in the capacity as a management consultant.

Miscellaneous Medical Professional

covers allegations of negligence in rendering or failure to render professional medical care. Health care risks are found in several types of facilities. Blood banks, home health agencies, nursing homes and medical clinics are a small portion of the risks that have medical professional liability exposures. Concerns revolve around the quality of care, the timeliness of the treatment and the referral process to acute facilities. Both employees and independent practitioners who work in the miscellaneous medical facility are targeted in professional liability claims.

Miscellaneous Professional

covers professionals for negligent acts, errors and omissions in the performance or failure to perform the professional services for a third party for a fee

Non-medical Testing laboratories

covers liability and defense of claims made against the Insured during the policy period for damages arising from actual or alleged negligent acts, errors or omissions committed by the Insured. Coverage pays for rendering laboratory testing, inspection and consulting services by the Insured or by any person or organization for whose conduct the Insured is legally liable.

Personnel Consultants Errors and Omissions

protect employment agencies against claims of actual or alleged negligent acts, errors, omissions, misstatements, misleading statements and personal injury.

Physicians, Surgeons and Dentists

provide Professional Liability Coverage for all Physicians & Surgeons Specialty Groups

Producers

provide coverage for copyright or trademark infringement, libel or slander, invasion of privacy, and unauthorized use of titles, formats, ideas, characters, plots, or other literary or musical materials.

Real Estate Services

covers liability and defense of claims made against the Insured during the policy period. Coverage defends against damages arising from actual or alleged negligent acts, errors or omissions committed in the rendering of professional services by the Insured or by any person or organization for whose conduct the Insured is legally liable.

Social Service Agency

provide professional liability and general liability coverage for a variety of social services operations, including rehabilitation, mental health care, adoption, elder care and case management.

Social Workers

affords insurance protection for claims resulting from the performance of social workers' services. Social workers have a broader range of exposure to loss than many other mental health counselors. This is due to the nature of social service work and the varying levels of education and experience required to practice. Social workers are vulnerable to allegations concerning improper placement, sexual misconduct and wrongful death.

Third Party Administrators

covers the Insured for the performance and failure to perform a broad range of professional services such as actuarial work, case management, pension plan administration, utilization review and other insurance services.

Travel Agents

covers for legal obligation to pay damages that arise from bodily injury, property damage, errors and omissions and personal injury. Travel agents provide services for compensation, so they are liable for damages incurred when they fail to meet customer expectations.