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Personal Lines Information
When insurance is focused on protecting the financial interests of an individual or family, rather than a corporate or non-profit entity, it is considered to fall within the personal lines of insurance. There are many different types of protection offered within personal lines. These include:
- Home insurance: This is a policy designed to assist with expenses related to certain hazards, such as fire, hurricane and theft, which can devastate or damage a home or its contents. Home insurance also covers the liabilities homeowners have so that when someone is hurt on their property, they can rely on their policy for medical costs, legal costs and damages.
- Auto insurance: Required by law in most states, auto insurance provides protection to both vehicle owners and individuals who are injured or experience property damage at the hands of drivers. Auto insurance policies can be structured to cover the damages of the insured’s vehicle through comprehensive and collision coverage as well as uninsured/underinsured motorist coverage. A policy must also meet the minimums of each state’s laws by providing bodily injury and property damage liability coverage that protects those who might be unintentionally injured or damaged by the insured.
- Renters insurance: When renting an apartment, an individual may not need to provide insurance to protect the structure itself, but they do need coverage for their personal contents since the landlord does not cover those. Additionally, they should secure liability insurance to cover medical costs and damages in the event a visitor is injured while in their apartment.
- Umbrella policies: When the liability limits of other personal policies aren’t enough, individuals can purchase an umbrella policy to provide $1 million or more in additional liability coverage. Just one umbrella policy effectively increases the liability limits of each of the insured’s other policies.
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.
What is errors and omissions insurance?
Errors and omissions (E&O) insurance provides coverage for businesses or individuals for when they are held responsible for a service provided, or failure to provide a service, that did not have the expected results. For doctors, dentists, etc., it is called malpractice insurance. For professionals like lawyers, accountings or engineers, it may be called professional liability. Regardless of its name, E&O insurance covers any errors or omissions that either you have made or that the client perceives you have made.
The number of liability lawsuits against professionals has increased in recent years. Many professionals are at risk of being sued. Small companies can go bankrupt from the cost of lawsuits. Even large companies can experience an impact to their bottom line. An E&O policy covers legal fees and settlements in such scenarios, regardless of fault.
Who benefits from errors and omissions insurance?
If your business provides a service for a fee, you have an E&O exposure. Have you thought about what could happen if the service is done incorrectly or not performed in time? 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. Errors and omissions insurance will protect your business and its finances if such an event arises.
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There is not a standard E&O policy. We will evaluate your business to determine your specific exposures and help you get the coverage you need. If you think you might need an E&O insurance policy, give us a call. We are happy to assist you today.
What is D&O insurance?
Directors and officers liability insurance covers a company’s directors and officers for claims made against them. Also known as D&O insurance, the policy protects against allegations of wrongful acts when acting as company executives. Wrongful acts may consist of misstatements, errors, breaches of duty and more.
D&O insurance is recommended for publicly traded companies with a corporate board or advisory committee. Many investors and board members may refuse involvement unless this protection is in place.
What are the benefits of D&O insurance?
Employees, stockholders and customers are able to make claims against a company and its directors. Whether grounded or frivolous, the resulting legal expenses and reputation damage can be extensive. Directors and officers can be held responsible for the acts of a company, which puts their personal assets at risk.
D&O insurance protects companies and their officers from criminal, civil and regulatory proceedings from allegations of wrongful acts.
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Protect your company’s interests. Call us to learn more about the benefits of D&O insurance. We will discuss you needs and search for a policy that best matches your business’s needs.