Professional Liability

Nonprofit organizations face many of the same legal exposures as for-profit organizations, including conflicts of interest, breach of fiduciary duty and theft.

While the soft D&O market continued through 2024, insurers are starting to approach underwriting with a more cautious lens.

In today’s volatile market, independent agencies face various emerging challenges that can lead to significant financial consequences.

With more employees exposing employer misconduct and evolving legal standards surrounding retaliation, businesses need robust coverage and clear policies to protect themselves.

A lawsuit can be brought against an organization for countless reasons—including a disgruntled former employee who believes they’ve been wronged.

Biometric technology is increasingly used by organizations, and many employers may be unaware of the laws around its application—or even that they’re using it in the first place.

What is the current best practice for storing those recordings in an agency management system (AMS)?

Small businesses may be tempted to eliminate professional liability coverage, especially when they haven’t had any claims—that is not a good idea.

HSB’s carrier partners can offer EPL Plus as an endorsement or coverage part to an underlying business owners or commercial package policy.

As agency managers strive to perpetuate their agency, here are key areas to focus training and administrative efforts to reduce errors & omissions exposures.