Professional Liability & Malpractice Insurance

Professional Liability and Malpractice Insurance

When people hear "malpractice insurance," most think of doctors. But professional liability coverage reaches far beyond medicine. Any career that requires a license, certification, or specialized training carries the risk of a negligence claim. Accountants, attorneys, insurance agents, consultants, real estate professionals, and many others face this exposure every working day. A general liability policy does not address these risks. It covers slips and falls, not allegations that your professional judgment caused a client financial harm. For that, you need a dedicated Professional Liability policy. Consider this coverage seriously if your business:

1. Delivers a professional service requiring specialized knowledge.
2. Provides guidance, recommendations, or strategic advice to clients.
3. Has been asked by a client or contract to carry professional liability as a condition of engagement.

Professional Insurance For

• Consultants/Consulting
• Realtors
• Mortgage Brokers
• Home Health
• Barbers & Beauticians (Stylists)
• Self Employed

Contractors

General contractors, specialty tradespeople, and independent handymen throughout the Piedmont region all need commercial insurance tailored to their work. The core coverages that matter most are general liability, business property, fire liability, inland marine, umbrella protection, and enhanced endorsements that streamline the way you do business. General liability steps in when a completed project leads to a claim, like a deck railing you installed failing and injuring someone. Business property coverage protects the tools, supplies, and stock items your company owns, from table saws to finished cabinets awaiting delivery. Fire liability coverage is built for contractors who lease their shop or warehouse space. If your operations cause a fire that damages the landlord's building, this coverage handles the repair costs so they do not come out of your bottom line. Inland marine coverage is something many contractors along the I-85 corridor between Charlotte and Greenville overlook. Standard property policies often do not cover equipment that travels between job sites. Inland marine fills that gap by scheduling specific items, usually heavy machinery, generators, or portable tools, and covering them wherever they go. Umbrella policies extend your liability ceiling past what general liability and auto insurance provide on their own. A serious accident on a job site in Concord or Anderson that exceeds your base limits could threaten everything you have built. The umbrella absorbs that excess. We also make it easier to win and keep jobs. Most property owners and general contractors in the Triad area and Upstate SC require a certificate of insurance before you set foot on their site. Our commercial plans include unlimited additional insured endorsements, so generating those COIs is quick and costs you nothing extra.

• Carpenters
• Electricians
• Painters
• Janitorial, Housekeeping
• Landscaping
• Handy Man
• Waste Management

Get Your Insurance Quote Today!