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Orlando Florida Professional and Specialty Liability

Professionals and practices need insurance to protect themselves and their assets. General business liability may cover part of your practice although rarely does it cover all aspects of your business. Most of the time, general liability insurance only covers wrongful acts or omissions, including breach of duty if they result in bodily injury.

Professional liability insurance protects your business from loss caused by a claim of alleged negligent acts and errors or omissions in the performance of your professional services. The policy typically covers any resulting judgments against you, such as court costs or settlements up to the coverage limits on your policy.

Specialty insurance is just as it sounds, specialty insurance. Here are a few examples of coverage areas.

  • Medical doctors, dentists, chiropractors, osteopathic physicians, and other healthcare professionals often have medical professional and specialty liability. This covers their court costs, settlement payments, and damages associated with legal action for malpractice. This is frequently called medical malpractice insurance.
  • Crime coverage is a specialty insurance that protects your business against others who have access to your funds. Coverage areas include: money and securities, forgery and depository, and employee dishonesty.
  • Pollution and environmental liability and errors and omission professional liability coverage protects you if you or one of your employees designs a facility that causes pollution. Pollution incident coverage covers professionals who accidentally cause a pollution incident while on the job. Environmental consultants can obtain coverage that is customized to their specific needs in the environmental field.

These examples should give you an idea of the wide range of fields professional and specialty liability insurance covers. We can customize a specialty insurance package for most industries. Call today for your free quote!