Professional Liability / Errors & Omissions

Unfortunately, all professionals have a certain amount of risk when it comes to liability and lawsuits. Professionals are expected to have extensive technical knowledge 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 in their profession. If you fail to use the degree of skill expected of you, you can be held responsible in a court of law for any harm caused to another person or business. When liability is limited to acts of negligence, professional liability insurance may be called Errors and Omissions liability.

Whether you are a IT Professional, physician, surgeon, dentist, attorney, accountant, architect, or other professional, your liability coverage needs are unique. Our professionals possess extensive experience in establishing essential coverage that meets your unique requirements.

Since our staff have IT Professional background, we work with you to provide the coverage for you whether you are an independent consultant, IT Staffing company or IT solution provider.

For IT Professionals

Consulting, Development & IT Project Management Risks

Employee makes a programming error or software or project design error

Client data are lost or corrupted

An error on your part causes system downtime on your client’s network

Client alleges you breached your contract, or failed to live up to your “warranties or representations”

The software you provide does not deliver promised benefits, and you are accused of negligent oversell

You are accused of an intellectual property violation, such as a software copyright violation (please note: trade secrets coverage is not available)

Employee or contractor hacks or intentionally sabotages a client’s system

Cyber Liability – You fail to prevent internal or external unauthorized access to your client’s confidential or proprietary information, such as medical records or customer lists, resulting in identity theft, cost of disclosure, damage to the client’s reputation, etc.

System Integration, Hardware Installation/Repair & Network Services Risks

You or an employee physically damages a client’s computer hardware or facilities during installation or repair

Your company makes a design or system engineering error, such as one related to scalability or system load estimates

Your client suffers a hardware or system failure

Your client suffers significant network downtime due to a redundancy failure for which you are held responsible

Telecommunications Risks

A programming error on your part results in a client’s telecom outage

You fail to follow network security protocols when updating telecom systems on your client’s network, either remotely or locally, resulting in cyber liability due to unauthorized access to the client’s confidential or proprietary information, such as medical records or customer lists.

Web Development & Online Media Risks

You may be held liable for media liability in the form of web content liability, web content copyright infringement, or trademark infringement

IT Staffing: Temporary and Permanent Placement Risks

You fail to properly verify an individual’s qualifications or background prior to placement, resulting in accusations of staffing wrongful placement

Legal Malpractice

The realities and risks of practicing law today practically dictate that law firms, regardless of size, are protected by professional liability insurance. Such coverage indemnifies the policyholder from claims, for example, arising out of inattentiveness to deadlines, failure to perform a title search properly, and other types of negligence. It also covers firms engaged in very complex and sophisticated forms of negligence, like public securities offerings, that run into trouble due to improper legal advice.

Medical Malpractice

Medical Malpractice coverage may be the most important insurance a medical provider can have. Most states require that physicians have liability insurance. Even in states that don’t, physicians usually need to have insurance coverage in order to maintain hospital staff privileges.

We provide Medical Professional liability Insurance coverage are for following types of Healthcare Providers:

Physicians / Surgeons / Dentists

Hospitals

Outpatient Clinics ( Urgent Care, Surgery Centers, Labs)

Long Term Care Facilities