Access Professional Liability
Find out more about our Professional Liability services below.
Appraisal Firms Coverage Highlights & Applications
For Real Estate Appraisal firms with 2 or more Real Estate Appraisers and or have had a claim or disciplinary
act in the past 5 years.
- Drone usage Bodily Injury/Property Damage coverage*
- Expansion of revenue criteria on Real Estate Express Application*
- Public Relations Crisis coverage-$15,000 per lncident/$30,000 per policy period
- Disciplinary Actions -$10,000 each action/$50,000 per policy period
- Subpoena Assistance -$25,000 per policy period
- Security Incident -$15,000 per incident/$30,000 per policy period
- Coverage for claims made by regulatory agencies
- Fair Housing Discrimination -$500,000 included at no additional premium with higher limit options available
- Two-Year Policy option for Real Estate Express insureds -reinstating policy limits and locking
in premium (not available in all states) - Multiple Deductible Reduction options & built-in Deductible Waiver
- Pollution coverage -Failure to Disclose -full policy limits
- Non-profit Directors & Officers coverage-$15,000 per claim/$30,000 per policy period
- Unlimited Claim Expenses (except in NY CA)
- Unlimited retiree, Death or Disability Extended Reporting Period options
- Owned Property coverage
- Coverage for Residential & Commercial Right-of-Way appraisals
- Coverage for Residential Construction/Land Development appraisals & available for Commercial appraisals
- Confidential Legal Hotline included with the policyBack to Top
Appraiser Individual EXPRESS E&O Coverage Highlights & Applications
For Individual Real Estate Appraisers, with no claim or disciplinary acts in the past 5 years. You qualify for this & Express & self-rater program.
- $0 (Zero) deductible on all policies* (except CA, HI and FL)
- Bodily Injury/Property Damage Coverage (Bl/PD) of $100,000 included with the policy in all states*
- Drone usage Bodily Injury/Property Damage coverage of $25,000 sub-limit included with the policy*
($1,000 deductible applies to drone usage claims only) - Coverage for Residential & Commercial Appraisals including Right-of-Way, Eminent Domain & Construction/Land Development Appraisals
- Coverage for claims made by regulatory agencies in all states
- Coverage for Reviews and Measurement Assignments
- Security Incident Coverage -$10,000 Per Policy Period
- Automatic renewal for qualified policy holders
- Self-rating application with premiums as low as $501
- Available for Residential, Commercial and Trainee Appraisers
- Prior acts coverage included with proof of continuous coverage
- Reimbursement of expenses for loss of earnings at attendance of a trial or hearing $500 per day/
$7,500 per claim/ $25,000 per policy period - Disciplinary action defense -$2500 per claim/$25,000 per policy period
- $100,000 discrimination coverage
- Subpoena Expenses-$5,000 per policy
- 30-day grace period for reporting of claims after policy expiration
- Damages include punitive or exemplary awards (if insurable under state law)
- Unlimited retiree, death, or disability extended reporting period options
- Deductible reduction option for early claim resolution
- Confidential Legal Hotline included with the policy
- AZ
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - CA
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - FL
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - HI
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - IA
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - IN
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - KS
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - MD
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - MI
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here
- MT
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - ND
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - NV
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - TN
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - TX
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - UT
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - WI
If your retro-active date is prior to 2008 click here
If your prior-acts date is 2008 and forward select here - WV
If your retro-active date is prior to 2008 click here
Architects and Engineers Coverage Highlights & Applications
Many of the Architects and Engineers markets for professional liability have expanded their
scope to a much broader range of classes including everything from laboratory testing to city
planners to roofing consultants. Coverage may vary based on class and carrier.
- Expansion of revenue criteria on Real Estate Express Application*
- Coverage for traditional design professional disciplines for numerous perils, including
professional negligence, pollution incidents, personal injury, and more - Supplemental coverages for:
- Pre-claims assistance
- ADA, FFHA and OSHA fines sanctions or penalties
- Insured expense and loss of earning reimbursement
- Broad professional services definition
- Blanket additional insured status for all clients of named insured under Contractors
Pollution Liability policy - Innocent insureds coverage
- Joint venture coverage
- Predecessor firm coverage
- Automatic subsidiary coverage up to 90 days
- Punitive damages with most favorable venue
- Claims mediation credit up to $25,000
- Supplemental coverage for Insured expense reimbursement of $300 per day
Attorneys Coverage highlights & Applications
Available Coverage Features Can Include:
- Full Prior Acts Coverage
- Predecessor Firm Coverage
- First Dollar Defense and Claims Expenses Outside the Limits of Liability
- Multiple Limit and Retention Options
- Broad Definition of Professional Services, including Title Agent, Notary Public, Pro Bono Services, Peer Review/Licensing
Boards and more - Disciplinary Proceedings and Subpoena Coverage
- Multiple Extended Reporting Period Options, including Free Lifetime Coverage for Qualified Insureds
- Security Breach Coverage
- And Much More
Attorneys Professional Liability Insurance Coverage
- New & Established Firms
- Firms of All Sizes
- All Areas of Practice
- Newly Admitted Attorneys
- Part-Time, Moonlighting, and Employed Lawyer Plans
- Hard-to-Place Firms
- Business Owners, Workers Compensation and Privacy Policies also available
Home Inspector Coverage Highlights & Applications
- Disciplinary Proceedings expense reimbursement
- Automatic additional insured status for any referral person or organization
- Broad definition of Home Inspection Services
- Carbon Monoxide
- Fungus and Mold
- Wood destroying Organisms (Termites and others)
- Radon or Natural Gases
- Swimming Pool, Hot Tub or Spas
- Lead or Lead By-Products
- Septic and Water Purification Testing
- Premises Liability (during performance of a home inspection)
- Additional Insured – Grantor of Franchise
- Full GL policy with an admitted carrier
- Real Estate Agent Referral Protection
Mortgage Brokers and Bankers Coverage Highlights & Applications
- Coverage is available through select insurance providers rated A or better by A.M. Best
- Limits up to $10,000,000 available for eligible firms
- Risk Management and Loss control services available
- Options for separate limits for defense and indemnity
- Coverage for independent contractors
- Personal Injury Coverage
- Spousal Coverage
- Disciplinary Proceedings Coverage
- Programs for commercial lenders and distressed risks available
Property Managers Coverage Highlights & Applications
- Insurance Placed with carriers rated A or better by A.M. Best
- Admitted and non-admitted carriers used
- Coverage for management of both residential and commercial properties
- Limits available up to $10,000,000
- Prior acts coverage available for qualified risks
- Coverage for Independent Contractors
- Spousal coverage
- Limitations vary on acceptable amount of Owned Property Managed
Real Estate Broker/Agent EXPRESS Coverage Highlights & Applications
- Drone usage Bodily Injury/Property Damage coverage*
- Fraudulently Induced Fund Transfer Coverage of $25,000 included with the policy*
- Sellers Shield™ deductible waiver (where available)*
- $0 (Zero) deductible option for Real Estate Express Application*
- Expansion of revenue criteria on Real Estate Express Application* • Available in most states
- Public Relations Crisis coverage-$15,000 per lncident/$30,000 per policy period
- Disciplinary Actions -$10,000 each action/$50,000 per policy period
- Subpoena Assistance -$25,000 per policy period
- Security Incident -$15,000 per incident/$30,000 per policy period
- Fair Housing Discrimination -$500,000 included at no additional premium with higher limit options available
- Two-Year Policy option for Real Estate Express insureds -reinstating policy limits and locking in premium (not available in all states)
- Open House coverage applies to Bodily Injury and Property Damage -full policy limits
- Multiple Deductible Reduction options & built-in Deductible Waiver
- Pollution coverage -Failure to Disclose -full policy limits
- Optional coverage for Mortgage Brokers, Construction Development, Business Brokers and Employment Practices Liability
- Non-profit Directors & Officers coverage-$15,000 per clairn/$30,000 per policy period
- Unlimited Claim Expenses (except in NY & CA)
- Unlimited retiree, Death or Disability Extended Reporting Period options
- Lock box coverage applies to Bodily Injury and Property Damage -full policy limits
- Owned Property coverage
- Coverage for Residential & Commercial Right-of-Way appraisals
- Coverage for Residential Construction/Land Development appraisals & available for Commercial appraisals
- Confidential Legal Hotline included with the policy
Express Application
- AZ
Fast Track - CA
Fast Track - FL
Fast Track - HI
Fast Track - IA
Long Application
Other Services Supplement - IN
Fast Track - KS
Fast Track - MD
Fast Track - MI
Fast Track
Real Estate Broker/Agent Coverage Highlights & Applications
- Drone usage Bodily Injury/Property Damage coverage*
- Fraudulently Induced Fund Transfer Coverage of $25,000 included with the policy*
- Sellers Shield™ deductible waiver (where available) *
- $0 (Zero) deductible option for Real Estate Express Application*
- Expansion of revenue criteria on Real Estate Express Application* • Available in most states
- Public Relations Crisis coverage-$15,000 per lncident/$30,000 per policy period
- Disciplinary Actions -$10,000 each action/$50,000 per policy period
- Subpoena Assistance -$25,000 per policy period
- Security Incident -$15,000 per incident/$30,000 per policy period
- Fair Housing Discrimination -$500,000 included at no additional premium with higher limit
options available - Two-Year Policy option for Real Estate Express insureds -reinstating policy limits and locking
in premium (not available in all states) - Open House coverage applies to Bodily Injury and Property Damage -full policy limits
- Multiple Deductible Reduction options & built-in Deductible Waiver
- Pollution coverage -Failure to Disclose -full policy limitsOptional coverage for Mortgage Brokers, Construction Development, Business Brokers and Employment Practices Liability
- Non-profit Directors & Officers coverage-$15,000 per claim/$30,000 per policy period
- Unlimited Claim Expenses (except in NY & CA)
- Unlimited retiree, Death or Disability Extended Reporting Period options
- Lock box coverage applies to Bodily Injury and Property Damage -full policy limits
- Owned Property coverage
- Coverage for Residential & Commercial Right-of-Way appraisals
- Coverage for Residential Construction/Land Development appraisals & available for
Commercial appraisals
To qualify for the "Express App Program" you must be able to answer "yes" to all 7 questions. If you are not able to answer "yes" then you must complete the attached long form application. There are two parts to the long application below.
AMC Coverage Highlights & Applications
- Policy designed specifically for appraisal management companies, with particular focus on the exposures and operations of these entities.
- Broad professional liability coverage form, with no exclusion for FDIC-related claims and a broad definition of AMC services.
- Limits of liability from $300,000 to $2 000,000, with excess coverage available. Deductibles from $2,500 and up.
- Optional network security endorsement available.
- Prior Acts coverage available to qualified applicants.
- Confidential Pre-Claim Assistance Hotline.
- A rated Insurance Company.
- Available in all states.
- Competitive premiums.
- AMC bonds for the various states also available
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This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions exclusions of the actual policy issued. Not all policies or coverages are available in every state. You also agree to release us from any liability if this information is accidentally viewed by unauthorized persons. We will only use this information for insurance quoting purposes and not distribute to other parties.
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