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Professional Liability Insurance
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• New ventures OK
• $250 Minimum Premium
• Waiver of Subrogation Available
• A XV Rated Admitted and none Admitted Carrier by A.M. Best Co
What Does Professional Liability Insurance cover?
This coverage, also known as errors and omissions insurance, is tailored to the specific risks in your field. Coverage includes:
Bodily injury to a third-party resulting from your services
Claims of negligence even if you haven't actually made a mistake
Awarded damages and legal defense costs
Claims for libel and slander arising from your services
HIPAA violations covered up to $25,000
Claims arising from services performed by employees, interns and temporary staff
What is general liability insurance?
It is one of the most common types of small businesses insurance. General liability insurance, also called commercial general liability insurance, which protects your business in a number of ways.
For example, let's say you are visiting a client’s office. And while you're there, your client trips over your briefcase and gets injured – your business may be liable.
This is how our small business general liability insurance coverage will protect you. Your fault or not, we’ll cover your defense costs, which can be damaging to the finances of your small business if you don't have insurance. And if you are found liable, we’ll pay the damage and related medical expenses, up to your policy limit. In today’s environment, every business should consider general liability insurance.
What is professional liability insurance?
Professional liability insurance, also called errors and omissions insurance (E & O insurance), protects your business if you are sued for negligence, even if you haven't made a mistake.
Defending your business can be financially crippling. However, you can feel secure with Univision Insurance. If a covered claim is brought against you, we'll immediately defend you and appoint an attorney if necessary. If damages are awarded, we'll pay them up to your covered limit.
Who needs general liability insurance?
You may be wondering if your business, since it’s small, really needs this coverage. You should consider a small business general liability insurance policy if you or your employees:
Visit a client's place of work, or if the client visits yours. Any accident resulting in bodily injury could lead to a claim against you.
Have access to a client's equipment. For example, let's say you're an IT/technology consultant, and you accidentally damage a client's server - you could be liable.
Write or speak about a client's business. A simple mistake could leave you open to a libel or slander claim.
Use and run the risk of damaging third-party locations related to business activities, e.g., rented offices, training space, conference/event locations, etc.
Are required to have general liability insurance before entering into a contract. Many clients will demand to see proof that you have at least $1 million in coverage.
Do you need professional liability insurance?
You may feel confident in the quality of your work, but any business can be sued for negligence when its work doesn't meet a client's expectations. If you’re a consultant or a small professional business, buying liability insurance is the right thing to do.
You should seriously consider professional liability insurance if your business:
Provides a professional service.
Regularly gives advice to clients.
Is requested by a client to have professional liability insurance to complete a contract.
Why choose Univision Insurance to get professional liability insurance?
Univision Insurance specializes in insuring professional services businesses with 50 employees or less. Our general liability coverage can be customized to your needs and provides great value for the money.
Univision Insurance offers general liability insurance that you can buy directly, either online or over the phone from a licensed adviser.
Flexible coverage: Our various coverage limits and deductible options help you get the right coverage at the right price.
Claims responsiveness: We know that any claim can be a distraction to your business. If a covered claim is reported to us, we will immediately handle the claim.
Competitive rates: Our general liability insurance rates can start from as low as $250 annually.
Payment options: Univision Insurance offers the option of making monthly payments to help manage your cash flow.
If you have questions, feel free to contact us. Our agents can help you find a Workers' Comp policy that covers your business's risks and adheres to your state's regulations.