If you’re a business owner based out of home or an office, liability insurance can go a long way in protecting your company. Workplace errors, accidents, and malpractices occur frequently and can potentially result in financial loss or harm to your company.
Short Insurance wants to have your business covered from the small start-up to the licensed professional.
Home Based & Startup
Whether you’re consulting, selling, or running a startup from home, there are always potential risks that need coverage. You don’t have to have a bunch of assets or even a big office to get general liability coverage. Any business is vulnerable to lawsuits from a third party and any business is eligible for general liability, regardless of revenue.
Professional Liability
Professional liability is often referred to as Errors and Omissions, or E&O. E&O covers professionals for negligence and errors on their part that results in the injury of clients or cause damage to a third-party. This type of coverage is necessary for highly liable, licensed professions such as engineers, architects, attorneys, and accountants.
Professional liability coverage ensures your business is safe when an error or omission made by an employee or subcontractor causes a financial loss. Short believes that all professional companies should have E&O coverage. You can train and hire the best of the best, but human error is always a possibility, which can lead to costly and time-consuming lawsuits.
Employment Liability
Employment practices liability insurance (EPL), provides coverage to employees against suits such as wrongful termination, discrimination (based on race, age, sex, or disability), sexual harassment, and alleged infringement of employee rights. If you’re a manager or owner with employees, we recommend this coverage.
Professional liability coverage ensures your business is safe when an error or omission made by an employee or subcontractor causes a financial loss. Short believes that all professional companies should have E&O coverage. You can train and hire the best of the best, but human error is always a possibility, which can lead to costly and time-consuming lawsuits.
Directors and Officers
Directors and officers insurance is commonly referred to as D&O within the insurance industry. This type of insurance covers board of directors, managers, and other officers of a company for claims of negligent acts or omissions against them. This insurance covers misleading statements as well, that can result in lawsuits against your company.