PROFESSIONAL LIABILITY.  Carter/Pier will work with you.  This coverage requires time to put together so as to identify specialty market(s) interested in you:  an application, descriptive loss runs, and some clarifying questions to give a picture of what you do and how you do it (proactive controls, procedures, continuing edu, experience, peers, standard practices).  We recognize that, in some instances, to stay in business you need professional insurance.

PARTIAL LIST.  Some areas of Professional / Errors & Omissions / E&O coverage:

• Beauticians:  Barber Shops, Salons
• Consultants:  Human Resources, Engineering, Architects, Environmental / EIL
• Employment Practices:  EPL / EPLI
• Financial:  Banking, Accountants / CPA, Planners / Advisors
• Healthcare:  Medical Providers, Group Practices, Care Givers, Medical Management
• Malpractice:  Doctors, Dentists, Hygienists, Nurse Practitioner, Group Practices
• Legal:  Attorney, Paralegal
• Management Liability:  D&O / Directors & Officers
• Non-Profit Organizations:  Social Services, School Board Legal Liability
• Real Estate:  Agents, Escrow
• Technology:  E&O

POLICY CONSIDERATIONS:

• Claims Made / Tail Coverage / Hammer Clause vs. Occurrence
• Determining Whether Defense Costs are Inside or Outside Policy Limits
• Edorsements & Exclusions
• Policy Form