BUSINESS
Specialty Liability
Management Liability Insurance
Protect Your Business Leaders and Their Decisions
Managing a business involves tough choices—and potential legal risks. Management Liability Insurance protects your executives and directors from lawsuits tied to their professional decisions.
Small and mid-sized companies are equally exposed to claims of mismanagement, discrimination, breach of fiduciary duty, or employee theft.
Management liability coverage can include:
Directors & Officers (D&O) Liability
Employment Practices Liability (EPL)
Fiduciary Liability
Crime and Fraud Coverage
One claim could jeopardize not just your business—but your leadership team’s personal assets as well.
Protect those who lead your business.
Contact us today for a personalized consultation and coverage review.
Directors and Officers
If your business is incorporated, does it have a board of directors and corporate officers? Do you serve on a board of directors?
If the answer is yes to either question, you could be exposed to lawsuits from shareholders. They may sue you, alleging that you committed acts that reduced the corporation's value. Lawsuits may also arise out of employee practices, allegations of conflicting interests, and from providing information to the investing public.
Decisions made by directors and officers impact the viability and value of a corporation. The current issues of accounting practices, financial reporting, and the use of corporate assets have resulted in an increase of lawsuits being filed against executive boards. Directors and officers (D&O) coverage should be considered a necessity for corporate entities. D&O coverage supplements the protection provided by general liability policies since the former responds to legal actions filed by shareholders, customers, scorned merger partners, and creditors.
Employment Practice
Hiring and firing practices have become legal minefields that have spurred the development of employment practices liability insurance (EPLI). It is important that a business has clear policies that are applied consistently to each employee and that directly relate to their job. Do you know what type of decisions could trigger a claim? For example, is it legal to terminate:
A driver with a bad driving record?
An employee who is rude to your customers?
An employee who swears at customers?
Don't think that the answer is simply “yes.” A business's action may depend upon circumstances such as whether an employee's duties involve driving a company vehicle or directly involves customers and if the company can prove that such behavior fails to meet the applicable job standards.
Professional Liability Insurance
Protect Your Expertise — and Your Reputation
No matter how experienced or careful you are, mistakes can happen. And in today’s litigious environment, even the perception of an error can lead to a costly lawsuit. That’s where Professional Liability Insurance comes in.
Also known as Errors and Omissions (E&O) Insurance, this essential coverage protects professionals and businesses against claims of:
Negligence or misrepresentation
Inaccurate advice
Breach of professional duty
Failure to deliver services as promised
Whether you’re a consultant, financial advisor, architect, engineer, healthcare provider, or any other service-based professional, this policy helps cover legal defense costs, settlements, and judgments—even if the claim is unfounded.
-
If your business provides advice, recommendations, design, or any specialized service, you may be at risk. This coverage is especially important for:
Consultants and freelancers
Accountants and financial professionals
Attorneys and legal professionals
Healthcare providers and therapists
Architects, engineers, and IT professionals
Real estate agents and brokers
-
One claim can damage more than your bottom line—it can impact your credibility, your business, and your future. Professional Liability Insurance helps ensure you have the protection you need to keep moving forward with confidence.
Contact us today for a free policy review or customized quote. Let’s make sure your hard-earned reputation is protected.
Why Work With Us?
As an independent insurance agency, we work with a wide range of top-rated carriers to tailor coverage that fits your industry, risk profile, and budget. We help you:
Understand your exposures and policy options
Navigate client contract requirements
Find competitive pricing without sacrificing protection
Avoid costly coverage gaps
REQUEST A QUOTE
Our partnership begins here. By learning about your unique needs, we can help you select the best coverage for your circumstances and budget.