Michigan Professional Liability Insurance

Protecting Your Small Business

Protect your small business from professional liability lawsuits. Professional liability insurance shields you from lawsuits brought by a client that may claim negligence or an error or omission that has been made while performing specific professional services.

We all make mistakes. So let our professional liability insurance protect you and your profession against the accidents when they occur.

Professional Liability Insurance Protects Your Small Business From:

Negligence

Any damaging advice given or failure to perform tasks.

Examples include not supplying the client with the most up-to-date information or plagiarizing without due credit to the person; as well as performing improper services for a client.

Defense Costs

The money invested in a lawsuit regardless if the company is at-fault or not-at-fault.

Examples include attorney cost, court costs, costs for filing legal documents, costs of expert witnesses, and any other costs associated with investigations.

Services Previously Preformed

Any services that have already been performed, as well as any previous or future work.

For example, a dentist performs a root canal and has to go back later to insert a crown or extract the tooth. If the client claims negligence, both services are covered.

Miscellaneous Error and Omission

Protection against financial losses that occur from improperly performing professional duties.

For example, a clothing store retains a marketing consultant to assist the owners in creating a new website and advertising the website for completion by a particular date in time for their upcoming annual sale. The consultant completes the materials on time but fails to send the email announcing the new website and the sale. The owner of the store sends a demand letter for lost business due to the consultant’s negligence.

Technology Services Error and Omission

Protects against claims made against your business for copyrighting purposes (goods, products, or services) that you have advertised.

For example, data storage companies and website designers providing technology services; whereas, computer software and computer manufacturers offer technology products.