Professional Liability Insurance Specialists

Professional Liability Insurance Specialists

We live and breathe professional liability insurance. Our team is focused on providing an easy and streamlined process to find the very best insurance policy package for your firm. For most, this begins with a rock solid Professional Liability policy. Pairing that with a Business Owners Policy, Workers Comp, Cyber Liability, and Management Liability policies creates a bullet-proof package of protection.

We’ve partnered with the insurance carriers who specialize in providing robust and cost effective solutions for your industry. The bottom line is if we can’t improve both your coverage and pricing, then we won’t recommend you make a change.

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Professional Liability Insurance Information

What is professional liability insurance?

Professional liability insurance protects individuals and companies from assuming the full cost of defending a lawsuit that claims negligence of the individual or business. A claim of negligence, malpractice or misrepresentation is not covered under a general liability insurance policy, which makes professional liability insurance crucial for those who provide a service or advice for a fee. Depending on the profession, professional liability insurance may take on different forms and names, like malpractice and E&O insurance.

The number of liability lawsuits against professionals has increased in recent years. Many professionals within a variety of industries are at risk of being sued, whether the charges are valid or unfounded. Such lawsuits can mean financial ruin both professionally and personally, including the loss of cars, homes and careers. Professional liability insurance helps with the financial burden of these events.

Who benefits from professional liability insurance?

Any professional who provides a service, expertise or advice to clients for a fee can benefit from coverage against liability lawsuits. Even with quality employees and risk management practices in place, people still make mistakes. A general liability policy may not cover mistakes that could be made. Professional liability insurance will protect your business and its finances if such an event arises.

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We will evaluate your business to determine its unique insurance needs and find you the professional liability policy with the necessary coverage. Call us if you have questions or want to get started. We are happy to help you get the protection you need.

Business Owners Policy

What is Business Owners Policy?

Business Owners Policy (BOP) is enhanced insurance that combines general liability insurance and property insurance.

Every business owner needs business insurance to be protected. Our Business Owner’s Policy offers a good starting point for accountants, consultants, real estate agencies, architects, engineers, law offices, medical office, pet groomers, printers, and more.

Protect your business from property damage, lawsuits, loss of income and more. Our insurance solutions for small business owners offers protection from different types of risks, including accidents, property damage, loss of income and more. Our agents work with you to develop a tailored solution to fit your business needs, including

Property insurance—Protect your building, furniture, equipment, and other valuable assets from natural disaster, theft and other damage
General liability insurance—Even if you do everything right as a business owner, accidents can happen. General liability insurance helps pay for the costs to defend and settle claims against your business for bodily injury, property damage, and personal injury.
Loss of income and extra expense—If your businesses can’t open for business because of damage from a natural disaster or other property damage, we offer protection that will reimburse you for loss of business income.
Data breach—In today’s world, all small businesses face the threat of their sensitive data being lost, stolen or compromised. That’s why we include data breach coverage to help pay for notification, credit monitoring and investigation expenses.

Cyber Liability Insurance Information

What is cyber liability insurance?

The sensitive customer data stored within company servers and in the cloud is vulnerable to attacks from hackers and other cyber criminals. Most people think only large corporations are in danger of cybercrime attacks. But, all businesses that use computers connected to the Internet are at risk.

What are the benefits of cyber liability insurance?

More than one-third of businesses experience a data breach each year. If a similar event happened at your business, would you be able to pay for the resulting damages?

Many cyber liability policies cover a variety of expenses associated with a cyberattack:

  • Stolen data retrieval
  • Reimbursement of fraudulent charges
  • Identity protection services for customers at risk of
  • identity theft
  • Damage control for your business’ reputation
  • Legal fees associated with the attack
  • And other cleanup efforts


A general liability policy often excludes losses incurred because of the Internet. A cyber liability policy can fill in that gap. It may be the difference between closing your business and making a comeback.

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We can evaluate your business’s needs and find a policy that offers the best possible protection against cybercrime.

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.

Management Liability

Management liability insurance helps to financially protect businesses, along with their executives, directors, officers, and managers, from allegations of sexual harassment, discrimination, wrongful termination, and other “wrongful acts.”

Even with a skilled management team, your company can encounter unanticipated and complex risks and allegations.

  • A gender, race or age discrimination lawsuit from an employee
  • An accusation of unfair competition from a competitor
  • The discovery of an embezzlement scheme spanning years
  • A lawsuit from a disenfranchised family member
  • An allegation of mismanagement from a disgruntled investor
  • An extortion threat to publicize confidential or propriety information
  • An allegation of potential mismanagement of employees’ pension or 401K plans


Cases like these could take years to resolve, and drain your company financially.

End-to-end management liability insurance businesses

Our Managment Liability coverage options help to protect the assets of private companies and the personal assets of its directors, management, and employees from potential liability exposures and the resulting financial consequences. Coverages include:

Directors and Officers Liability Insurance (D&O)—Protects privately owned companies, their directors and officers, from claims brought against them by investors, customers, suppliers, competitors, and the government

Employment Practices Liability Insurance (EPL)— Protects against the financial damage of claims brought by employees and third parties for wrongful employment acts based on discrimination, workplace hostility, defamation or humiliation, and more.

Fiduciary Liability Insurance—Protects the company, employees and fiduciaries who design, administer, and manage pension, health and welfare, employee stock ownership, and employee benefit plans alleged to have breached their fiduciary duty

Fidelity & Crime Insurance—Protects against loss caused by criminal acts, including employee theft, burglary, robbery, computer fraud, and funds transfer fraud, and more

Kidnap/Ransom and Extortion Insurance—Protects against loss of assets arising from kidnapping and extortion where personal harm or destruction of products or property are threatened

Cyber Privacy and Security Insurance—Protects the company from liability and other expenses related to the loss of confidential personal information.

Umbrella Liability Policy

A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage. The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).