Professional Liability

New organizational changes often mean new risks.

Any business where the threat of physical harm could occur on or near the premises has an assault and battery exposure. It is not limited to liquor stores, restaurants and bars.

Coverage highlights include defense beyond the standard limits, automatic inclusion of third parties and full prior acts coverage.

Inadequate limits are an all-too-common claim in independent insurance agency E&O. And with inflation today outstripping even the inflation guards inserted on some policies, these claims are becoming more frequent.

A new workplace comes with new risks—and independent insurance agents should make their clients aware of the employment practices liability exposure.

Mortgage lenders are requiring agents to supply a replacement cost estimate (RCE) for refinance closings. Is this something the agents should be doing?

It’s no surprise that auto policies generated the most errors & omissions claims in 2022, fully rebounding from the 2020 trough caused by a reduction in miles driven and replaced policies.

Whether insureds sell through an Etsy store, a retailer selling products online or even at a farmers market, any parties involved in the product chain can be liable for a customer’s injury.

Given the number of civil filings made in 2022, personal injury awards are putting pressure on the product liability insurance market as nuclear verdicts become the norm.

There are myriad of issues that can lead to a claim against accountants and E&O coverage provides the necessary protection.