Consultants and companies providing advice and services of any kind have exposures that are not usually insured by a Commercial General Liability policy. Among the more common types of organizations that have professional exposure are accountants, lawyers, computer consulting firms, investment advisors, insurance agents, data processing service firms, publishers, third-party administrators, teachers and anyone providing consulting services. A variety of Professional Liability and Errors & Omissions Liability policies are designed to protect individuals and companies for claims alleging negligence in the providing of specialized services.

Directors and Officers (D&O) Directors and officers insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of directors and officers insurance as a management errors and omissions insurance policy.

Errors and Omissions (E&O) Errors and omissions insurance may be appropriate for anyone who gives advice, makes educated recommendations, designs solutions or represents the needs of others Including businesses such as banking, accounting, law, architect, engineer, computer consulting,  insurance and real estate. Coverage results from a negligent act, error, or omission in the performance of professional duties.

Employment Practices Liability (EPL) insurance provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. It covers your firm, including its directors and officers.