Errors and Omissions (E&O) Insurance

Product Summary

ProWriters is most recognized for its E&O products and enjoys underwriting authority for several leading insurance companies. E&O can be a very complicated insurance product where coverage terms and availability will change depending on the services being provided. Below is a list of specific areas of E&O in which we focus:

Allied Healthcare (AHC) E&O

Allied Healthcare (AHC) E&O is often referred to as Miscellaneous Medical as it is a mix of medical related risks, but it does not fall under a Medical Malpractice policy. Example classes of business are listed below:

Adult Day Care, Drug Rehab Centers, Acupuncturists, Testing Laboratories, Ambulance Services, Medical Staffing Agencies, Chiropractors, Nurses, Counselors, Optometrists, Pharmacies, Dialysis Centers, Occupational Therapists, Physical Therapists, Speech Therapists, Physical Training, Holistic Medical Services, Psychologists, Home Health Agencies, Sleep Labs, Hospice Care Services, Spas, and Massage Therapists.

Architects & Engineers (A&E) E&O

Architects and Engineers have very specific coverage needs in order to provide their services. They need a policy that can protect their business no matter the project’s size. Even small projects can have many parties involved and when something goes wrong everyone gets brought into the claim. Some sample classes of business are listed below:

Licensed Architects, Licensed Engineers, Construction and Project Managers, General Contractors, and Land Surveyors.

Cyber & Privacy Liability

Almost every business has a privacy exposure these days, and with the laws continually changing, it can be very difficult to know what your exposure is. Whether compromised credit card transactions or years of paper files going missing, whatever the exposure, we can help.

If you are looking for help in understanding the risk or for an indication of pricing for a client, please contact us so we can help.

Financial Institutions / Financial Services

Financial Institutions and Financial Service providers like securities brokers and dealers face some of the most complex exposures. There are a limited number of markets that are willing to entertain these risks due to the complexity of the risk and level of the exposure. At ProWriters, we have developed an expertise in this class of business and developed relationships with the carriers that can manage this exposure.

Classes of business that we work on include Insurance Companies, Banks, Investment Advisors, Fund Managers, Securities Brokers, Financial Advisors, and Insurance Brokers.

Healthcare

The heathcare industry often faces different regulations than a typical business. At ProWriters, we understand those exposures and are able to help.

Classes of business include: Hospitals, Physicians Groups, Biotechnology and Medical Research companies.

Miscellaneous

Miscellaneous E&O or Miscellaneous Professional Liability (MPL) is a catch all for all other professional risks that don’t fall into a specific area. This class of business requires a good underwriter and carrier who can understand the risks of a unique business and tailor the coverage to meet the needs of the client. The classes of business can range from a Management Consultant to a Trustee, from a Staffing Agent to a Collection Agent, and from a Printer to a Freight Forwarder.

If your business class is not listed it most likely will fall into this category and we may be able to help you.

MultiMedia

MultiMedia is a product that was developed for the traditional publishers and broadcasters. The world has changed and the way we disseminate content has changed too. Whether you are a Broadcaster, Publisher, Magazine, Newspaper, Advertising Agency, or you simply have a Website with a lot of content, we can provide you with the coverage you need. Media coverage provides coverage for intellectual property (IP) infringement, breach of an IP license, defamation, or negligent publication.

Technology

Technology E&O is designed to cover a technology company for any claim of negligence in providing software or services. These claims are frequent and these companies need to make sure they have broad coverage to respond to the broad range of claims that can be made against them. Sample classes of business can include: Contract Software Developers, Software Licensing, IT Consulting, Website Developers, Hosting Companies, and many more.