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Professional Liability Insurance Coverage:

Employment Practices Liability :

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.
Employment practices liability insurance protects an employer from an employee’s claims such as:

• Wrongful Termination
• Invasion of Privacy
• Sexual Harassment

Directors and Officers Liability

Directors and officers liability coverage protects directors and officers against claims alleging negligence, errors and omissions, misstatements, misleading statements and misrepresentations. While general liability insurance protects against negligent acts that result in bodily injury or property, professional liability insurance protects against intangible acts such as breach of contract. A comprehensive Directors and Officers liability policy can provide the following:

• Defend Non-Monetary Damages
• Provide Duty to Defend Coverage
• Defend Libel, Slander & Defamation of Character

Crime Coverage:

Crime coverage can extend to all those who may have access to your company’s funds including:

• Employee Dishonesty
• Money & Securities
• Forgery & Depository

Pollution and Environmental Liability

Environmental coverage generally falls into two categories:

• Errors and omissions coverage, also known as professional liability, protects a professional who mistakenly designs a facility that causes pollution in some way.
• Pollution incident coverage protects professionals on the job in case they cause a pollution incident by perhaps backing into a sewage pipe.

Not sure what coverage is right for you? To learn more about professional liability insurance or to get a free quote, call us at 303-477-6500 or fill out an online quote form.