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Business Professionals Face Risks Every Day

Commercial Liability Insurance

If you’re a (insert professional job title), you provide the general public with goods or services — and in return, they pay you for it. Providing professional services is always easy, and despite the number of years you have spent in your line of work, mistakes can happen. When it comes to professional liability insurance, our independent agents are experts. They can help find the right insurance coverage to protect you and your business, in the event, an unexpected mistake results in a lawsuit.

General liability, also known as “commercial liability insurance” or "professional liability insurance" is a broad commercial insurance policy that covers general liability exposures of a business. Joyce Insurance Group recommends that all businesses have general liability coverage in place.

Professional Liability Insurance
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies. Joyce Insurance Group recommends that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance
Employment Practices Liability Insurance (EPLI) for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Joyce Insurance Group recommends considering this type of coverage.

Directors and Officers Insurance
Directors and Officers (D&O) Insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

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