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WHAT IS PROFESSIONAL LIABILITY?
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Professional liability insurance, commonly known as E&O (Errors & Omissions), protects businesses against civil lawsuits and negligence claims. Professional liability insurance can protect you against the professional advice you give and could even protect you against frivolous claims that make it to court.
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PROFESSIONAL LIABILITY INSURES AGAINST:
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- Errors & Omissions (E&O)
- Professional Liability insures against liability incurred as a result of Errors & Omissions in performing their professional services.
- Most Professional Liability policies only insure against economic or financial losses suffered by third parties as opposed to property damage and bodily injury claims.
- Ex: Experts or professionals in their field (Real Estate Brokers, Architect, Consultant) can POTENTIALLY BE INSURED AGAINST CLAIMS OF FINANCIAL LOSS by a client, vendor, or consumer because of your professional advice.
- Directors & Officers (D&O)
- Insures against claims of mismanagement of a company by the board of directors or officers.
- Ex: If a business decision has ADVERSE FINANCIAL CONSEQUENCES, proper insurance can protect against lawsuits.
- Insures against claims of mismanagement of a company by the board of directors or officers.
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“Business moves fast and so do you, you should be able to feel comfortable in your work”
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COMMONLY ASKED QUESTIONS ABOUT PROFESSIONAL LIABILITY:
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- Which businesses need Errors & Omissions (E&O) Insurance?
- For businesses that offer professional service or give consultative advice then E&O insurance is a necessity. It is the only insurance that insures against dissatisfied clients, vendors, and consumers who file a lawsuit over a mistake, complaint, missed deadline, or the quality of your work.
- Which businesses need Directors & Officers (D&O) Insurance?
- Any for-profit business with a board of directors, executives, or officers that make decisions that could alter your financial interest in the business.
- How much E&O or D&O Insurance is recommended?
- E&O Insurance should have limits at least as high as the revenue of the contract or the potential damages resulting from your work.
- D&O Insurance should have limits at least as high as the potential revenue of the business for the year.
- Does E&O Insurance cover frivolous lawsuits?
- Yes, even if your business is not at fault, you could still be sued, and E&O coverage will defend you in court until limits are exhausted.
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Insurance Services Quick Consultation
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