ACCOUNTANTS LIABILITY:

Covers direct pecuniary loss and expense to the insured accountant or accounting firm arising from claims against the insured for alleged neglect, error, omission or dishonesty in the performance of services in a professional accounting capacity. Acts of office employees such as typing or clerical errors are covered as well as mistakes directly traceable to the professional person.

Blood bank professional liability insurance

Coverage designed for owners and operators of blood banks against negligence, errors or omissions arising out of alleged malpractice, rendering or failing to render professional services, or mistake in taking, handling, processing, storing, or distributing blood products.

Cemetery professional liability insurance

Liability coverage specifically designed to meet the needs and exposures of owners or operators of a cemetery to protect for damages suffered by third parties, as a result of the rendering or failing to render professional services as the owner, operator, management or staff of a cemetery.

Dentists' professional liability insurance

Insurance designed to cover the professional liability exposures of dentists that result from claims for bodily injury and/or personal injury which may occur from alleged malpractice, errors or omissions in the rendering or failing to render professional services.

Educators' professional liability insurance

Professional liability coverage specifically designed to offer protection for the hazards and exposures faced by educators, teachers, and school boards from claims or suits that may result from the acts, negligence, errors, omissions, rendering or failing to render of the professional services of school board members, faculty, staff, aides, or volunteers. Coverage for bodily injury resulting from corporal punishment is also available.

Hospital professional liability insurance

Protects a hospital against claims for injury resulting from malpractice, professional errors, or a mistake by the hospital staff.

Incidental medical malpractice liability

For those insured's who have a medical professional exposure for operations that are incidental to but not the major function of their business, malpractice insurance is available to protect for injury caused by the rendering or failing to render of those medical services. This coverage was not designed to protect hospitals, clinics or other health care service providers. One common example of an incidental medical exposure that would be covered by this liability protection is a nurse or first-aid provider at a school.

Lawyers' professional liability insurance

Protects an attorney or law firm against claims for negligent acts, errors or omissions in the performance of professional legal services.

Malpractice

Improper actions or failure to exercise proper skill by a professional or others involved with the care of the human body, such as a physician, dentist, blood bank, etc. Malpractice insurance is a form of liability coverage against such mistakes.

LIQUOR LIABILITY POLICY:

Protects a business from the threat of lawsuits arising from sale, distribution or serving of liquor to an "intoxicated" person later involved in an accident. Businesses that sell distribute or serve liquor at social, business or fund-raising functions may need this insurance whether or not they do business in states having liquor liability statutes. General liability policies exclude coverage for the common law liability imposed on those everywhere as well as liability arising from statutes enacted in some states, which has long been excluded.

Nursing home professional liability policy

Protects a nursing home against claims for injury resulting from negligence of the nursing home staff.

Real estate agents errors and omissions insurance

A type of professional liability or errors and omissions protection designed for real estate agents. It covers damages or losses from negligence caused by the rendering or failing to render of services, or negligence caused by other errors and omissions that may be committed during the performance of duties as a real estate agent.

Surgeons' professional liability insurance

Protects physicians and surgeons against claims for personal injury arising from malpractice, errors or mistakes in rendering professional services. At this time a most expensive coverage due to high jury awards against the medical profession.

Tax preparers' errors and omissions

A professional liability or errors and omissions insurance coverage designed specifically to meet the needs of accountants, bookkeepers, and similar professionals involved in the preparation of tax returns for other parties. Designed to cover negligence, errors, and omissions that may occur during the rendering or failing to render of those services. One feature frequently found in this type of policy is that both the tax preparation service and the individual tax preparers may be covered in one policy.

Veterinarian professional liability insurance

Specially designed professional liability insurance to protect veterinarians from claims alleging injury or loss that may result from the rendering or failing to render, errors or mistakes in professional veterinarian services.