Professional Liability Insurance

Professional Liability Insurance
Allen Financial Insurance Group & The Equestrian Group
Professional Liability
By: Allen Financial Insurance

Professional Liability Insurance

Firms that provide professional services face significant liability exposure every day, no matter the size or scope of the business. Allen Financial’s new Miscellaneous Professional Liability Insurance coverage can protect you against the risks and exposures not addressed in their general liability policies, including potential losses resulting from negligence, errors and omissions in performance of professional services.

We have a unique combination of industry-leading resources to deliver the high level of service, underwriting expertise and quality coverage our clients require..

No two professions face the same financial risk, which is why AFIG offers you direct access to its quality team of dedicated underwriters with experience in a wide variety of businesses.

We target a full spectrum of miscellaneous professionals and industries, including associations, consulting, technology, Internet, marketing, as well as other service-oriented business and one-of-a-kind risks.

Examples of Target Classes

Benefits to You:

We offer over a hundred class including service providers in these industry segments:

Administrative, Management & support Services
Design Related Services
Employment-related (Staffing, Recruiting)
Marketing & Media Services
Financial Consulting
Forensic Related Services
Government Relations / Lobbying Services
Health Service Administration
Insurance Support Services
Language & Communication Services
Legal Support Services
Management Consultants
Marketing Services
Mergers & Acquisitions Consulting
Research & Development Services
Standard Setting / Accreditation / Certification Services
Technology & Internet Services

Program Overview

Insurer rated “A” (Excellent) by A.M. Best
Claims-made (not claims-made and reported)
Up to $5,000,000 primary or excess limit capacity
Split limits for Each Erroneous Act/Aggregate Limit
“Pay on behalf of” language
Duty to Defend
Punitive Damages where insurable by law
Insurer will not settle claim w/o Insured’s consent
Universal Policy Territory
Extended Reporting Period up to 5 years
Non-admitted paper /Admitted in Wisconsin
No “Prior and Pending Litigation Exclusion”-Claim considered first made against an Insured during the Policy Perid “when a written claim is first received by an Insured during the Policy Period.”

Coverage Includes:

Schedule of Insured Activities tailored to services and content of each risk
Errors & Omissions
Copyright Infringement
Trademark Infringement, related unfair competition and violation of Section 43 (a) of the Lanham Act (when not connected to Insured’s own advertising)
Dissemination of Content
Personal Injury Torts including Libel, Infliction of Emotional Distress, Infringement of the Right to Privacy, Trespass, False Arrest, Wrongful Entry/Eviction, Malicious Prosecution, Misappropriation of Name or Likeness
Failure to prevent unauthorized access by a third party
Failure to prevent introduction of virus by a third party
Unintentional failure to provide access to covered services of the Insured
Unintentional introduction of a virus by any person’

Optional Coverage Endorsements

Contingent BI/PD
Severability of Insureds for purposes of Fraud/Knowingly Wrongful Conduct Exclusion
Copyright Infringement
Trademark Infringement
Bi-lateral Extended Reporting Period
Claim Expense Sublimit for Administrative or Regulatory Actions
Claim Expense Sublimit for Non-Employment Practices Discrimination
Failure to prevent introduction of virus by a 3rd party
Unintentional failure to provide access to Insured’s covered services
Universal Territory
Independent Contractors
Liability resulting from loss of use of property that has been physically injured
Ability to add Additional Insureds

Examples of Target Business Classes

Miscellaneous E&O:

Acoustic Consultants
Answering and Paging Services
Appraisers (non-real estate)
Arbitrators/Mediators
Associations
Auctioneers
Audio/Visual Consultants
Bankruptcy Trustees
Billing Services
Bookkeepers
Business Brokers
Claims Adjusters
Clerk of the Works
Closed Captioning
Consulting and Management Services
Copy Editors and Copy Writers
Court Reporters/Stenographers
Credit Bureaus
Customer Services Operations
Education/Guidance Counselors
Employment Agencies
Energy Auditors
Expert Witnesses
Funeral Directors/Crematories/Morticians
Grief Recovery Consultants
Guide Dog Trainers
Insurance Fraud Investigators
Interior Designers and Decorators
Interpreters and Translators
Kosher Food Inspectors
Landscape Designers
Lighting Designers
Literary Agents
Marketing Services
Meeting Planners
Mortgage Brokers
Notary Publics
Paralegals

Marketing & Media Services

Advertisement Copy Writers
Advertisement and Commercial Production
Advertising Agencies
Advertising and Promotion Services
Binding Services
Brand and Logo Development
Bulk Mailing
Catalog Design
Competitor Analysis
Contest Management
Coupon and Rebate Distribution
Creative Designers
Customer Satisfaction Measurement
Direct Mail Development
DVD Authoring
Event Planners and Organizers
Exhibit and Convention Designers
Fulfillment Services
Graphic Designers
Mailing List Development
Market Research and Survey Design
Media Buying and Placement
Media Monitoring Services
Media Replication and Duplication
Package Display and Design
Photography/Post Production Services
Press Management
Press Clipping Services
Printers
Promotion Design Services
Public Relations Services
Strategic Planning Services
Subscription Management
Telemarketing Services
Target Marketing
Trademark Development
Tradeshow Exhibit Design

Consulting & Management Services

Account Management Services
Accounts Receivable Consulting
Arborists/Timber Consultants
Association Services Consulting
Business Brokerage
Business and Strategic Plan Development
Business Operations Consulting
Career and Vocation Counseling
Convention Management
Credit Counseling/Debt Consolidation
Crisis Management Consulting
Disaster Recovery Consulting
Educational/Team Building Seminars
Executive and Life Coaches
Executive Search Firms
Farm Managers
Forensic Engineers and Consultants
HIPAA Consulting
Horticultural Consultants
Human Resource Consulting
Lab/Research Facility Management
Lobbyists
Management Auditing
Medical Practice Management
Mergers and Acquisitions Consulting
Motivational Consulting
Museum Consulting/Management
Nutrition Consultants
Outplacement Counseling
Personnel Agencies
Political Campaign Management
Public Policy Consultants
Regulatory Compliance Review
Seminar and Training Material Design
Trustee Consulting/Trust Management
Turnaround Consulting
Work Flow Process Consultants
+ many more classes.

Technology & Internet Services

Application Service Providers
Backup Service/Data Archives
Bulletin Board Hosting
Cable/Satellite TV Service Providers
CAD/CAM/CAE (non-architectural)
Chat Room Hosting
Co-Location Service Providers
Content Providers/Publishers
Data Conversion/Data Management
Data Processing/Aggregating/Warehousing
E-Commerce Services
Enterprise Resource Planning
Hardware Installation
Imaging Services
Information Technology Staffing
Internet Marketing and Advertising
Internet Portals
Localized Access Providers
Network Design/Installation/Support
Online Auctions
Online Publications
Programming Services
Security Consulting
Software Developers
Software Integration
Software/Systems Training & Support
Software Testing
System Analysts and Designers
Systems/Software Customization
Technology Consulting
Telecom Local Service Providers
Telecom Long Distance Services
Telecommunications Consulting
Value Added Resellers-Hardware/Software
Voice Over Internet
Website Design/Development
Website Hosts/Owners