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Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or business owners policy. This protects them against financial losses from lawsuits filed against them by their clients.
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 they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. When liability is limited to acts of negligence, professional liability insurance may be called "errors and omissions" liability.
Professional liability insurance is a specialty coverage. Professional liability coverage is not provided under home-owners endorsements, in-home business policies or business-owners policies (BOPs).
What does Professional Liability Insurance cover?
Professional liability insurance protects you in cases of faulty service (errors) or failure to provide a service altogether (omission). This type of insurance coverage pays the cost of your defense and any damages awarded (up to policy limits). Insurance companies have developed many specialized policy forms that respond to the individual risks of particular professions and services.
LET US CHOOSE THE COVERAGE THAT’S RIGHT FOR YOU
There are no “standard” policy wordings for Professional Liability Insurance. Each policy must be tailored to fit your specific exposure needs. An engineer, a doctor and a computer programmer all have different exposures; thus, the same policy would not be adequate for all.
Paschall Insurance Group has experienced specialty agents that will consult and guide you through the process of ensuring you have the best coverage that best fits your specific needs.
For the third year in a row, Paschall Insurance Group has been selected for membership into the Safeco Premier Partner Program. This program recognizes the outstanding achievement and partnership of only the best insurance agencies.
Fewer than 10% of independent insurance agencies that sell Safeco personal lines products receive this distinguished honor.
At Paschall Insurance Group, we are pleased to be among the top agencies in the country!
As a member in the Safeco Premier Partner Program, Paschall Insurance Group will continue to receive access to special resources and programs that will support us in serving our customers even better.
We strive to provide our customers with trusted guidance, so this continued Safeco honor makes us proud!
Tornadoes are among the most destructive forces of nature. About 1,000 of these powerful storms occur annually in the U.S.
For tornadoes and all severe weather events, now is the time to be sure you have an emergency plan in place so there is no confusion when disaster strikes. If you don’t have a plan, it is critical to develop one.
When a tornado is imminent, it’s important to stay tuned to your radio or mobile device for up-to-date information. Use a NOAA all-hazard radio that is specifically tuned to pick up warnings for your local area. This will minimize more frequent and broader warnings that may or may not apply to you. Having time to seek shelter in severe weather situations is critical.
WHAT TO DO WHEN A TORNADO THREATENS
If you are at home or in a building:
- Go to a pre-designated shelter area such as a safe room, basement, storm cellar, or the lowest building level.
- If there is no basement, go to the center of an interior room on the lowest level (closet, interior hallway) away from corners, windows, doors, and outside walls.
- Put as many walls as possible between you and the outside. Get under a sturdy table and use your arms to protect your head and neck.
- In a high-rise building, go to a small interior room or hallway on the lowest floor possible.
- Do not open windows – it is a myth that opening windows with depressurize your house. It may actually make things worse by giving wind and rain a greater chance of getting inside.
- Closing interior doors will also help to compartmentalize the structure and provide more barriers between you and the storm.
If you are driving:
- If you are driving, try to go to the closest safe shelter, but don’t try to outrun a tornado. Instead, leave the vehicle immediately for safe shelter.
- If your vehicle is hit by flying debris while you are driving, pull over and park. Stay in the car with the seatbelt on. Put your head down below the windows; cover your head with your hands and a blanket, coat or other cushion if possible.
- If you can safely get noticeably lower than the level of the roadway, leave your car and lie in that area, covering your head with your hands.
- Do not get under an overpass or bridge. You are safer in a low, flat location.
- Approach intersections with caution. Treat traffic lights at intersections as stop signs both during and after a storm.
Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy.
We don’t want you walking out the door to an empty driveway or parking space, so take care to avoid these five mistakes.
1. Leave your car running... and unattended. We know it can be chilly in the mornings, and who wants to wait in a cold car while it warms up? Well, a thief certainly won't mind the chill! If your car is running, you should be in it.
2. Put valuables in plain sight. Simple enough, but we all seem to still make this mistake. You think you'll be in the store for just a second, no one will notice your smart phone charging in the cup holder. Think again!
3. Keep a spare set of keys inside the car. Law enforcement agencies say this is a great way to turn a car prowler into a car thief. They’re already breaking into your car to get a phone, or a laptop, etc. What do you think they’re going to do when they find a set of keys? They’re not going to drop them off on your porch with a nice note, that’s for sure.
4. Leave your car unsecured. The best thieves can work wonders with a window that's left open even just a crack. And even the novice thief can steal a car that's been left unlocked, with no alarm set.
5. Assume nobody would want to steal your car. Think your car is too old or too undesirable for a thief to bother? Scrap metal is worth money, so never assume that your car is safe - even if you think it's just a "junker".
Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these mistakes not only will save you hassle, it will save you money as well. So stay safe, not only on the roads, but in the parking lots as well!
This time of year we get asked a lot about jewelry insurance, I am assuming Valentine's Day might have something to do with it?
In a lot of cases you don't need a separate policy to insure your jewelry. You just need to ensure you have the right personal property coverage from your homeowners insurance or renters insurance. The coverage included in this policy is only for certain instances and set dollar amounts, so double check and know what coverage you have. Click here to learn more about insuring your jewelry.
