Professional Liability and Malpractice Insurance

Professional Liability Insurance protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.    Most individuals associate a doctor’s malpractice insurance, but Professional Liability extends into all professional careers that require a license or certification in order to practice, for example accountants, lawyers, consultants, insurance agents, realtors, etc.   Professional liability is not to be confused with general liability.  General Liability insurance does not protect your business against claims of professional negligence, or for failure to perform your professional duties.  They are distinct.  For this type of coverage, the business will need a separate Professional Liability policy.  You should seriously consider professional liability insurance coverage if your business:

1. provides a professional service.
2. regularly gives advice to clients.
3. requested by a client to have professional liability insurance to complete a contract.

Professional Insurance For

• Consultants/Consulting
• Realtors
• Mortgage Brokers
• Home Health
• Barbers & Beauticians (Stylists)
• Self Employed

Contractors

Whether you are a General Contractor, Artisan Contractor or general handy man, Contractors commercial insurance protect your business.  Some of the key features in protection are general liability, business property coverage, fire liability coverage, inland marine coverage, umbrella insurance and other enhanced endorsements.

General liability coverage protects your business in the case that you are sued for something that you are found liable for.  These are for unforeseen circumstances such as faulty installation.  If there is something that your business has completed that causes a liability to arise your coverage will protect the business.

Business property coverage gives protection for tools and other things used in the business.  It also protects items that may be owned by the business that may be for sale such as cabinets or counter tops.

Fire liability coverage protects the building that you may rent to house your business.  For example, if there is a fire that occurs that the business is found liable for this coverage will cover the damages up to the limit so that is not having to be paid out by the business.

Inland marine coverage is a coverage that most businesses do not realize they may need.  This is a coverage that is added to some policies that gives coverage to equipment used for the business.  This is a scheduled policy that specifically covers certain pieces usually heavy equipment or movable equipment such as small drivable devices.

Umbrella policies are often the most overlooked coverage that is offered for businesses.  This coverage gives extended liability over the current general liability coverage that is in the main policy.  These policies can protect the business from becoming financially unstable in the case of a large liability loss.

We also offer other enhanced features of our commercial polices that help save you money and make your business more attractive to customers.  Most contractors are required by their customers to provide proof of insurance or a COI (certificate of insurance) to complete work on their properties.  We offer a plan that allows for unlimited amounts of additional insureds to issue these certificates.  This saves you both time and money in getting your paycheck from your customers.

• Carpenters
• Electricians
• Painters
• Janitorial, Housekeeping
• Landscaping
• Handy Man
• Waste Management