Professional Liability

You worked hard to build your business and your expertise has earned you a great reputation. Mistakes happen, and if your client or customer thinks a mistake as occurred, they can sue your business and you personally. Its important to find the right coverage to defend you even if you didn’t do anything wrong. Without coverage, you’ll have to pay expensive legal defense costs out of pocket.

  • Professional Liability Insurance (Errors & Omissions)
    Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies. Cardenas Insurance recommends strongly all professional and technology companies have E&O coverage.
  • Employment Practices Liability Insurance (EPLI)
    Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Cardenas Insurance recommends considering this type of coverage.
  • Directors and Officers Insurance (D&O)
    D&O Insurance covers directors and officers of a company for negligent acts or omissions as well as misleading statements that result in a lawsuit against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may also be broadened to include coverage for employment practices liabilities.