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Professional Liability

Mistakes Happen

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At River City Insurance, we understand that mistakes happen. That is why we are committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it is important for your business to have general liability coverage for property damage and bodily injury, River City Insurance recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) - Having financial protection for your business’ Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative with River City Insurance today to prevent mistakes and errors from becoming major losses for your business.

 

Our Location

River City Insurance

3320 Dayton Blvd
Chattanooga, TN 37415
Main office: 423-425-9312
Fax: 423-843-2554

Our Providers

Testimonials

Jim has been my agent, my Dad’s agent and my children’s agent for years. We also send many of our credit union clients to River City Insurance and we know that they will be treated professionally, promptly and fairly.

Manager of local Federal Credit Union
Jim gave us better coverage and saved us money. I would encourage any Church to let Jim give you a quote.

Director of Missions, Copper Basin Baptist Association
Jim saved me money and his staff does a great job servicing what I send them.

Local Mortgage Banker
River City Insurance shops your coverage to find the right coverage and company at the right price.

Director of Operations at a local Mortgage Company
Jim has been my agent for years and he has done a great job.

Co-owner White and Peels Automotive Repair