Professional Liability
Human and social service agencies are by their nature unique, requiring specialized insurance to cover many standard and unconventional exposures. Designed to insure most human service, educational or cultural organizations, the form will protect your organization in the event of a claim or suit arising from professional services. Our coverage features include:
- Comprehensive protection
- Broad professional service definition: Professional Services include providing advice, guidance or assistance, counseling, therapy, daycare, nursing or health care, educational instruction or teaching, job training, and other services provided as part of the Insured's operation as a human service, religious, educational, or cultural organization. Professional services include furnishing of drugs at the direction of a physician.
- Occurrence basis
- Defense costs are provided outside policy limits
- Coverage for you, your employees, and your volunteers
- $1,000,000 each act, error, or omission limit available
- Up to $3,000,000 aggregate limit available
- Up to $10,000,000 Umbrella coverage limit available
- Supplementary payments for bond, expense, court cost, pre- and post-judgment interest