Types of Insurance

Professional Liability Insurance, also known as Errors and Omissions Insurance, is protection for you and your business from claims of negligence related to your professional services. Our focus is on E&O for architects, engineers, land surveyors, construction managers, and environmental consultants.

 BOP policies combine several types of Property Casualty coverage into one package.  It includes general liability protection, property coverage including coverage for equipment and contents, business interruption coverage and a number of additional coverages and coverage extensions tailored for design professionals. 

Worker's compensation insurance  is a legally required insurance for all business with employees to cover employees for workplace injuries & illness. Worker's Compensation covers medical expenses, temporary total disability,  permanent (partial or total) disability and a death benefit.

Commercial auto insurance is for vehicles owned by your business and covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident. Any vehicle that is provided to employees for their regular use should be owned by the business and covered by a commercial auto policy.

Employment practices liability insurance (EPLI), protects employers against claims made by employees alleging; discrimination (sex, race, age or disability), wrongful termination, sexual harassment, or other employment-related issues.

 Cyber liability insurance can pay for expenses to cover loss of digital assets, non-physical business interruption, extra expense, cyber extortion, cyber terrorism, and security event crisis coverage. It also provides you with protection from your clients and employees with network security and privacy liability, employee privacy liability, and electronic media liability coverage.

If your firm is too large for a BOP then you will need General Liability Insurance for your firm and Property Insurance for any office buildings or other physical facilities owned by your business.

 Directors and officers (D&O) insurance protects the personal assets of corporate directors and officers in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties for breach of fiduciary duty.