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Cover Your Professional Liability Exposures

Effective risk management involves taking a close look at all your business exposures to determine how you can minimize or transfer those risks with sound best practices and insurance protection. If you are in the business of offering professional services, including Professional Liability coverage as part of your insurance program is a crucial decision. This coverage is designed to protect against liability as a result of a claim for an error, omission, or negligence in the performance of your professional work. At Haughn & Associates (H&A), we work with a great variety of professionals and offer custom-tailored Professional Liability insurance to meet the unique exposures that come with each profession.

Who Needs Professional Liability Insurance?

Professionals are expected to have extensive technical knowledge, expertise, and/or training in their particular area of expertise. They are also expected to perform the services for which they were hired, according to the standards of conduct and best practices in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. Professional Liability insurance provides defense costs in the event of a claim and pays for the damages rendered in a settlement or judgment for a covered loss.

Customized Policies Based on Your Profession

It’s important to understand that just as no two professions are alike, the policy you purchase should be customized to respond to the services you provide. For example, architectural and engineering firms should have Professional Liability insurance that protects against claims alleging design flaws and/or defects. A contractor’s policy will protect against claims involving project delays and cost overruns that result in financial damages to a third party. An IT firm’s Professional Liability policy will cover errors and omissions resulting in business interruption or loss of profits as a result of missed milestones and non-functioning software project modules, for instance.

H&A has the experience, expertise, and access to the appropriate insurance companies to ensure your Professional Liability coverage is customized to your profession and the specific services you provide.

Our Commitment to You

At Haughn & Associates (H&A), our core values and principles of integrity, honesty, dependability, innovation, and collaboration shape who we are and guide us; they ultimately allow our team to provide our clients with high-quality insurance products and an unparalleled level of superior service. Each business, family, and individual is given the personalized attention needed to design the right fit of insurance and risk management protection for your insurance package.