Professional Liability

InsureBC is proud to maintain strong relationships with many specialty markets including those with the ability to place Professional Liability for small to large sized accounts. Limits for E&O start as low as $250K across most products. In general, standalone CGL is not available as wordings are E&O led. Placement available through Lloyds Open Market for select risks.

Risks we will consider

1. Miscellaneous Professional Liability:
   - E&O limits up to $5M available
   - Coverage highlights include legal cover, contractual liability, intellectual property rights infringement,pollution liability, and option for cyber extension
   - Accounts we can consider Include recruitment/staffing agencies, freight brokers (no physical possession of freight), accountants, property managers, survey/inspection firms,environmental consultants & geologists, business consultants, human resources, and travel agents.‍
2. Architects & Engineers:
   - E&O limits up to $5M available
   - Accounts with 100% US receipts welcome
   - Coverage highlights include legal cover, contractual liability, pollution liability, breach of intellectual property rights, traditional CGL & property cover, and option for cyber extension
   - Accounts we can consider include architects, interior design, building design, archaeology, projectmanagement, drafting, geology, town planning, surveyors, and drone services.
3. Technology Companies
   - E&O/Media/Cyber limits upto $10M available
   - Innovative wording designed fora wide range of technology companies
   - Coverage highlights include products & services liability, breach of contract, intellectual property rights infringement, and comprehensive cyber cover
   - Managed service providers considered subject to additional underwriting requirements (please contact us for further details)
4. Healthcare Professionals:
   - Coverage highlights include professional liability, employee fidelity, sexual misconduct & physical abuse liability, general liability, non-owned auto, loss mitigation & court attendance costs, reputation & brand protection cover, and option for cyber extension
   - Accounts we can consider include medical clinics, beauty salons, therapists & life coaches,acupuncture, personal trainers, tattoo artists, dieticians & nutritionists,opticians, and medical students
   - Minimum $5K deductible when laser services are offered.
5.  Media & Entertainment Professionals:
   - E&O/Media/Cyber limits upto $10M available
   - Innovative wording designed fora wide range of media & entertainment companies
   - Coverage highlights include IP infringement & defamation, breach of contract, contingent BI/PD, subcontractors vicarious liability, and option for cyber extension.
6. Oil & Gas:
   - E&O limits up to $5M available
   - Accounts with 100% US receipts welcome
   - Appetite targeted towards oil and gas contractors who spend less than 20% of their time doing manual work
   - Coverage highlights include E&O, option for stand alone GL, property damage, business interruption, and pollution liability
   - Accounts we can consider include geologists, well site operators, health and safety consultants,drilling consultants, project managers, engineers, and non-destructive testers
7. Research & Development:
   - E&O limits up to $15Mavailable
   - All-encompassing package designed to protect all companies throughout the development process, whether they be developing their own drug or technology, selling a product to be used in R&D or providing a service to companies needing assisting in the development of their product
   - Coverage highlights includes spoilage of perishable stock cover, transit of stock, business interruption,financial loss, patent defense, products liability, general liability, and option for cyber extension
   - Accounts we can consider include drug development, medical device development, clinical research &trials, consultants, testing services, and site management.
8. Cyber:
   - Cyber limits up to $5M available
   - Core features include proactive prevention & incident response, real time threat intel via CFC’s mobile app(response), full cybercrime cover, business interruption covering the full supply chain, cover for full data re-creation, and unlimited reinstatement
   - Coverage highlights include cyber incident response costs, cybercrime, system damage and business interruption, network security & privacy liability, media liability,technology E&O, and court attendance costs
   - Broad range of accounts considered, including healthcare providers, retailers, educational facilities,professional service firms, public entities, energy companies, transportation & logistics companies, and financial services providers
9.  D&O:
   - Coverage highlights include D&O cover, fiduciary liability, employment practices liability, cyber & privacy cover, wide crime cover, and kidnap/ransom/extortion cover
   - Appetite includes private & publicly traded or non-profits, up to $1BN in revenues and below 5K employees by headcount
   - Accounts we can consider include architect & engineers, small bio-tech / pharma, Canadian companies with foreign exposure, construction, e-commerce, HOAs / stratas, life science,media, medical products, miscellaneous professional services, technology companies.
10. Pollution:
    - Limits up to $15M available
    - Wording addresses the core risks faced by any company operating from a site they own, lease or control,from their contracting activities at third-party or project sites, or from transportation activities performed in connection with the business. This includes the costs to clean up their own property or surrounding land and water, liability for third party bodily injury, property damage and cleanup costs, damage to natural resources, plus costs incurred in responding to an emergency.
    - Coverage highlights include cleanup costs, third party liability, transportation liability, natural resource damage liability, and emergency costs.