Home > Professional Liability This type of insurance acts to protect prople who serve as experts in a technical or specialized field, by providing financial benefits in the event that they get sued or are the subject of a civil judgement. E&O, D&O, EPL, and GPL Insurance Errors And Ommissions Insurance - Legally protects the policy holder in the case of erroneous performance of their professional service, or the failure to provide complete service or contract. Directors And Officers Insurance - This protects executives who may be held personally liable for civil claims. This protection often covers claims from shareholders, competitors, creditors, employees, and government entities. Employment Practices Liability - This protects an employer against civil claims made by an employee or former employee. Includes civil aspects such as unlawful discrimination, unfair termination, sexual harrassment. Covers the entire business including Directors and Officers. Group Personal Liability - Coverage which includes Managers, Employees, and Personnel. Protects the personal assets of those listed in the policy in the event that they are held liable for a civil wrongdoing. Medical Malpractice This insurance may be applied to doctors and other medical field professionals in order to cover civil claims filed against them due to the treatment of patients. Many medical associations endorse these policies. Coverage can be established for: Single Physician Practices Group Practices Other Medical Facilities Standard coverage normally provides $1 million per claim and up to $3 million annual total claims coverage. Nose Coverage and Tail Coverage Nose coverage is retroactive, meaning that it covers acts that occurred prior to the renewal of a malpractice policy. Prior acts are included as long as coverage has been continuous and there has not been a gap in policy renewal. Tail coverage is often purchased after a policy has expired in order to protect the holder from claims made after coverage has ended. Exclusions - Any acts of intentional wrongdoing are excluded from being eligible for insurance claims.