The probability that you will make a professional mistake throughout your career is high. You are human. This is why professional liability coverage is an important tool in your risk management toolbox. E&O provides legal defense and covers claim awards, court judgments, penalties, and settlements excluded under your GL policy.
Together we can find solutions to address your insurance coverage and budget requirements.
We don’t want you to pay more than you should either. We will steer you towards savings
We have been helping Arizona business owners for almost 40 years. We are your local insurance advocates.
Claims-made policies only cover claims that occur and are reported during the policy period listed on the policy unless tail coverage is purchased. Alternatively, occurrence-based policies pay for claims if the event occurred during the time a policy was in place even if the policy is no longer in effect or the policy has expired.
Yes! It is a good way to broaden your coverage.
Both terms are used interchangeably.
Professional liability is a standard exclusion in GL policies. Some package policies or BOP policies include endorsements that add this coverage back in for lower-risk operations such as beauticians and printers.
Intentional misconduct, general liability, workers’ compensation, EPLI, and illegal acts are not covered by E&O coverage.