Specialty Liability Insurance
Standard liability policies only go so far. When your business faces industry-specific risks, specialty liability insurance fills the gaps—offering peace of mind where general coverage falls short.
Professional Liability Insurance
Protect Against Claims of Errors, Omissions & Negligence
General Liability Insurance doesn’t cover professional mistakes or failure to perform your professional duties. That’s where Professional Liability (also called Errors & Omissions Insurance) comes in.
Professional Liability covers claims related to:
- Negligent acts
- Errors or omissions
- Failure to deliver services as promised
If a client sues over a mistake—or something they think was a mistake—your policy can cover legal costs, court fees, and any settlement or judgment, up to your coverage limits.
Get a Personalized Quote Today
Ready to see how much better coverage can be? Call us at 800-704-2280 for a custom quote. We’ll walk you through your options, answer your questions, and help you protect what matters—without wasting a cent.
Employment Practices Liability Insurance (EPLI)
Coverage for HR-Related Lawsuits
Employees (current or former) can file claims against your company for a variety of reasons. EPLI helps protect your business from employment-related legal action, including:
- Wrongful termination
- Sexual or workplace harassment
- Discrimination (age, race, gender, etc.)
- Violation of employment laws (e.g., ADA)
- Breach of employment contract
- Retaliation or wrongful discipline
- Invasion of privacy
- Emotional distress due to workplace actions
- Failure to promote, hire, or implement fair practices
EPLI coverage can include:
- Back and front pay
- Attorney’s fees
- Compensatory and punitive damages (where allowed by law)
- Class action claims and emotional distress
- No exclusions for reductions in force or layoffs
Directors & Officers (D&O) Liability
Covered claims may include:
- Misstatements or misleading disclosures
- Breach of duty
- Mismanagement of company funds
- Discrimination or wrongful discharge
- Libel, slander, or defamation
Covered individuals may include:
- Directors
- Officers
- Trustees
- Committee members
- Volunteers and employees
Key features:
- Prior acts coverage
- Defense for non-monetary damages
- Coverage for discrimination and harassment claims
- Duty to defend included
Crime Coverage
Guard Against Internal Theft and Financial Misconduct
When employees or vendors have access to your money, crime coverage protects against losses due to:
- Employee dishonesty
- Forgery or alteration
- Theft of money or securities
- Financial fraud or embezzlement
Environmental & Pollution Liability
Protection from the Fallout of Environmental Damage
Pollution liability policies protect your business from accidental environmental harm—whether from poor design or on-the-job incidents.
Commonly covered risks:
- Damage from improper facility design (E&O coverage)
- Pollution incidents caused during daily operations
- Asbestos exposure or contamination events
Ideal for:
- Environmental consultants
- Contractors working near natural resources
- Businesses involved in hazardous materials
Custom coverage may include:
- Retroactive coverage for past work
- Cleanup costs and third-party injury claims
- On-site and off-site pollution incidents
Protect your business from the unexpected.
Ready to safeguard your business from unexpected risks? Let’s find the right specialty liability coverage for you.