{"id":1858,"date":"2023-11-02T08:00:00","date_gmt":"2023-11-02T08:00:00","guid":{"rendered":"https:\/\/teague.local\/?p=1858"},"modified":"2024-01-02T23:22:10","modified_gmt":"2024-01-02T23:22:10","slug":"professional-liability-policies-are-unique","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/2023\/11\/02\/professional-liability-policies-are-unique\/","title":{"rendered":"Professional Liability Policies Are Unique"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-unlike-property-insurance-or-even-general-liability-insurance-the-policy-wording-used-for-one-client-is-not-necessarily-suitable-for-all-clients\"><strong>Unlike property insurance or even general liability insurance, the policy wording used for one client is not necessarily suitable for all clients.<\/strong><\/h2>\n\n\n\n<p>Whether you buy a PL or E&amp;O policy, it usually will be tailored to the specific needs of your business classification. For instance, a policy for real estate brokers typically includes coverage for failure to advise clients on the existence of fungus, asbestos or bacteria. Policies for accountants might provide coverage for acting as a trustee or administrator of an estate. Some policies also cover inadvertent transmission of computer viruses and corruption of customers\u2019 data. Examples of other professionals who need protection include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Architects and engineers<\/li>\n\n\n\n<li>Bookkeepers<\/li>\n\n\n\n<li>Certified financial analysts<\/li>\n\n\n\n<li>Dog groomers<\/li>\n\n\n\n<li>Home inspectors<\/li>\n\n\n\n<li>Landscape architects<\/li>\n\n\n\n<li>Optical and hearing aid professionals<\/li>\n\n\n\n<li>Printers<\/li>\n\n\n\n<li>Social workers<\/li>\n\n\n\n<li>Software companies<\/li>\n<\/ul>\n\n\n\n<p>Many insurance companies offer group policies to members of trade associations. In other cases, insurance companies form buying pools that professionals can \u201cjoin.\u201d Miscellaneous professional liability coverage is also available for a variety of businesses such as translators, meeting planners, publishers, and collection agencies. If you need coverage, we can advise you on the best approach.<br><br>Sole proprietors may choose to protect their personal assets by forming a limited liability company, but their corporate assets are still at risk unless they buy E&amp;O coverage.<\/p>\n\n\n\n<p><a id=\"disclaimer\" href=\"https:\/\/smartspublishing.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Article Courtesy of SmartsPublishing.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Unlike property insurance or even general liability insurance, the policy wording used for one client is not necessarily suitable for all clients.<\/p>\n","protected":false},"author":1,"featured_media":1862,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13,22],"tags":[],"class_list":["post-1858","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v27.8) - 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