Professional Liability insurance is a critical coverage for any organization entrusted with the care of others. Professional Liability coverage needs to be tailored to the specific exposures faced by your agency. Coverages available for this purpose include:

• Coverage extended to facility director/ administrator, professional employees, and volunteers.

• Includes claims arising from the furnishing of food, beverage, or medication.

• Provides coverage for violation of client's rights.

• Extends to incidental professional exposures such as barber and beautician.

• Teacher's Liability and other exposures related to Head Start and daycare operations

General Liability insurance is the foundation of any casualty insurance program. Where available, we recommend the following liability coverages and enhancements:

• $10,000 medical payments.

• Aggregate per location endorsement.

• Automatic coverage for additional insureds if required by contract.

• Coverage extended to volunteers and employees.

• Injury definition broadened to include mental anguish, humiliation and discrimination (except employees).

• Includes sexual abuse and molestation coverage options.

• Covers errors and omission in the handling of employee benefits.

• Provides defense cost coverage for allegations of undue influence over clients or children.

Umbrella Liability limits to $10 Million are available.

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