Mitigate company
liability risks.

Professional Liability

While General Liability insurance protects your business against third-party bodily injury and property damage liability risk, if you offer accounting, engineering, and consulting services, you also need Professional Liability insurance.

The policy covers financial losses as a result of errors, mistakes, or negligence in the course of providing your services. It will pay for legal costs and court settlements or judgments up to the policy amount.

Errors & Omissions Liability

Businesses that provide professional services like real estate, IT services, and others should also have Professional Liability insurance, also known as Errors & Omissions (E&O) insurance, to protect against liability arising from a claim for an error, omission, or negligence in the performance of their professional services.

It’s important not only to have this coverage but also to ensure that it is tailored to your industry and operation, including your Liability limits and the definition under which circumstances your insurance will respond. We will take the time to truly understand your operation and tailor a policy that protects you against the exposures you face while performing your services.

Directors & Officers Liability

D&O Liability insurance protects your firm, directors, and officers from liability due to breaches of duty resulting from negligence, error, or omission. Coverage also includes defense costs and court fees for covered claims. There are three parts to a D&O policy:

The professionals at Berlin Insurance will evaluate several factors to ensure you secure a D&O policy that addresses your exposures. This includes the policy limits you should be carrying, adding an extended reporting form to cover claims that may come in after the policy period, and ensuring that the company itself is insured (Side C coverage), among other issues.

There are multiple ways to construct D&O coverage, with combinations of policies that maximize protection and minimize gaps. We will discuss the advantages and details of each and guide you through the complexities.

Workers’ Compensation Insurance

Workers’ Compensation insurance pays for medical treatment, rehabilitation, and provides wage benefits up to a certain amount for employees who get injured or become ill on the job. At Berlin Insurance, we understand that Workers’ Compensation insurance is a significant expense for many businesses. Rising medical costs and prescription drug therapy, a company’s loss history and how these losses compare to other like businesses within its sector, and the frequency and severity of claims all contribute to how much you pay for coverage.

We aim to offer you Workers’ Compensation insurance and strategies to help you increase on-the-job safety, improve your risk profile, and drive down costs.