Professional liability insurance protects individuals and companies from assuming the full cost of defending a lawsuit that claims negligence of the individual or business. A claim of negligence, malpractice or misrepresentation is not covered under a general liability insurance policy, which makes professional liability insurance crucial for those who provide a service or advice for a fee. Depending on the profession, professional liability insurance may take on different forms and names, like malpractice and E&O insurance.
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As a benefits administrator and/or business owner, there's a lot resting on your shoulders when it comes to maintaining employee benefits. If you make a mistake in presenting the plans or documenting paperwork and reporting to insurers, you could be sacrificing your employees’ money, earned benefits and peace of mind.
Employee benefits liability insurance offers protection against the cost of defending yourself in a lawsuit and paying out claims when you have made an administrative error or omission in the records of your various employees. It will also protect you in the event that you fail to properly explain benefits and qualifying requirements or deadlines to new or existing employees.
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If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
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Welcome to Dealey, Renton & Associates
We serve San Francisco, Los Angeles, Orange County & areas throughout California.
Dealey, Renton & Associates (DRA) has proudly served the needs of clients since 1950. DRA works with companies in many industries along with specializing in professional liability insurance for architects, engineers, environmental consultants, lawyers, doctors, agents & brokers and other professionals. DRA works with more than 4,000 firms with offices throughout the country. Our professional’s singular focus is on strategically partnering with our clients to develop risk management and insurance programs specific to the unique requirements of their individual firms and risk tolerance.
Our mission is to advance the interest of our clients by providing quality insurance and risk management services. Through Knowledge, Service and Commitment we have earned a reputation for applying innovative, practical solutions to the business challenges of our clients. We respect the commitment and integrity of our staff. Together we have dedicated our talent and determination to the mutual success of our company and clients.
Recent Blog: Offering a strong employee benefits package can help your business attract a strong workforce.
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