Large or small, individuals or professional firms in virtually every field confront a thicket of thorny insurance issues in the daily course of business. When it comes to protecting against loss, however, one size does not fit all. To design effective coverage, it is not enough to know insurance - you have to know the business you are insuring, both inside and out. That's the simple but dynamic idea behind D&O Concepts.

Errors and Omissions claims are growing exponentially, making liability protection essential for professionals in every walk of life.

Contractual obligations? Misunderstandings with clients? Misrepresentation? These and many other incidents can cause professional liability claims. Expectations for quality service and advice in these situations has led to an explosion of requests for coverage for errors and omissions insurance. All types of businesses, from consultants to libraries, appraisers to photographers, are exposures to D&O claims. It is estimated that the number of industries with D&O exposures exceed 400 and is growing. Virtually any firm that provides advice or other services as its core product faces an increased threat of claims alleging errors and omissions in the performance of it's duties.

Coverage is designed to protect any partnership or corporation, including partners, officers, directors, and employees while acting within the scope of their professional duties. The policy is intended to cover liability and defense of claims arising from alleged negligent acts, errors or omissions committed while rendering professional services.

A representative sample of classes which are typically written on a "Miscellaneous Professional Liability" policy form are:

• Real Estate Professionals
• Mortgage Brokers and Agents
• Ancillary Medical Services
• Public Relations Consultants
• Businesses Consultants
• Trustees
• Insurance Entities
• Travel Agents
• Employment / Staffing Firms
• Book / Magazine / Newspaper Publishers
• Telecommunications Firms
• Title Agents / Abstractors
• Advertising Firms
• Computer Consultants

The list goes on, to include virtually every type of professional service firm.

Due to the unique exposures of specialty industries, carriers have tailored individual policies for the following professionals:

• Lawyers
• Real Estate Agents / Brokers
• Accountants
• Internet Providers / Programmers
• Insurance Agents / Brokers
• Architects and Engineers
• Franchisors
• Securities Brokers / Dealers

The above lists are not all inclusive. If there is a service you are providing, we have a carrier to fit your needs.

Limits are available from $100,000 to $10,000,000 (and possibly more).

We have agreements with all standard and non-standard carriers which offers us a wide variety of options to choose from in selecting the best carrier for each and every client.