ADDITIONAL INSURANCE PRODUCTS
Check out our additional liability coverages below and fill out the form for a free quote, or give us a call at 1-800-916-2220
Professional Liability
General Liability insurance does not protect your business against claims of professional negligence, or for failure to perform your professional duties. For this type of coverage, the business will need a separate Professional Liability policy.
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.
The policy normally pays for any resulting judgments against you, including court costs, up to the coverage limits on your policy.
Directors and Officers
Directors and officers liability coverage protects directors and officers against claims alleging negligence, errors and omissions, misstatements, misleading statements and misrepresentations.
Most organizations have a general liability policy that protects its directors and officers against negligent acts that result in bodily injury or property damage. However, general liability does not protect against alleged wrongful acts or omissions, including breach of duty, which do not result in bodily injury.
Directors and officers coverage protects your executives from potential lawsuits resulting from key decisions or management practices-lawsuits that may target their personal assets.
A comprehensive Directors & Officers liability policy can provide the following:
Insureds include:
- Directors
- Officers
- Committee Members
- Volunteers
- Trustees or Employees
Comprehensive D&O Insurance can:
- Defend Prior Acts
- Defend Non-Monetary Damages
- Provide Duty to Defend Coverage
- Defend Libel, Slander & Defamation of Character
- Defend Discrimination, Sexual Harassment and Wrongful Discharge
Crime coverage can extend to those who may have access to your company’s funds:
- Employee Dishonesty
- Money & Securities
- Forgery & Depository
Inland Marine
Provides coverage for business assets and hardware while these items are off premises.
Employment Practices Liability
Employment practices liability coverage protects an employer against an employee’s claims such as:
- Wrongful Termination
- Sexual or Workplace Harassment
- Wrongful Discipline
- Age Discrimination
- Violation of Employment Discrimination Laws
- Violation of Americans with Disabilities Act
- Wrongful Failure to Employ or Promote
- Wrongful Deprivation of a Career Opportunity
- Breach of Employment Contract
- Employment Related Misrepresentation
- Failure to Adopt Adequate Workplace Employment Policies & Procedures
- Illegal Retaliatory Treatment
- Invasion of Privacy
- Negligent Evaluation
- Employment Related Wrongful Infliction of Emotional Distress
The purpose of this insurance is to protect the corporation, directors, officers and employees from alleged employment-related wrongful acts. Some features to having this policy are Coverage for front/back pay, attorneys’ fees and compensatory damages, for punitive damages where insurable by law, for actual or alleged retaliatory treatment, varying retention’s for class action suits or other claims, for emotional distress or mental anguish, no purposeful or intentional acts exclusion or reductions in force or mass layoffs exclusion.*
*Coverage varies from company to company.
Ordinance or Law Coverage
One of the most needed types of coverage is also one of the most commonly overlooked or even known about by consumers. It’s called Ordinance or Law Coverage. As your building becomes older certain changes in your county’s building codes and ordinance change to reflect new standards for construction. If your older property suffers a substantial loss, fixing it may require a higher construction standard to reflect new laws, therefore simply replacing your property as it was just isn’t good enough to meet these new laws and codes. Ordinance or law coverage pays for these upgrades in building standards.
Special Event Coverage
Provides third party liability coverage for a short term special events.
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