Available Policy Limits:

• $1,000,000 per claim / $1,000,000 annual aggregate
• $1,000,000 per claim / $2,000,000 annual aggregate
• $2,000,000 per claim / $2,000,000 annual aggregate

*Higher limits can be offered via excess liability. Subject to underwriter review and an additional premium

Deductible:

• $2,500 per claim, with multiple deductible options available

Policy Type:

• Claims Made

Policy Coverage:

• Professional Liability (E&O)
• Coverage for Contingent Bodily Injury and Property damages resulting from your professional services

Other Policy Benefits:

• Worldwide coverage (subject to policy terms and conditions) - as long as the suit is brought in the United States
• Broad definition of professional services including the ability to expand the definition per your specific services that are offered

Part-time Coverage Options Available:

If you provide independent consulting services on a part-time basis, you may qualify for the part-time coverage option.

• $1,000,000 Limit
  $2,500 Deductible
  Subject to Minimum Premiums

Each party should be willing to be responsible for losses and claims to the extent that they are caused by that party’s negligence. We offer the following as a contractual provision that addresses this issue:

To the fullest extent permitted by law, Client and Consultant each agree to indemnify the other party and the other party’s officers, directors, partners, employees, and representatives, from and against losses, damages, and judgments arising from claims by third parties, including reasonable attorneys’ fees and expenses recoverable under applicable law, but only to the extent they are found to be caused by a negligent act, error, or omission of the indemnifying party or any of the indemnifying party’s officers, directors, members, partners, agents, employees, or sub consultants in the performance of services under this agreement.

If claims, losses, damages, and judgments are found to be caused by the joint or concurrent negligence of Client and Consultant, they shall be borne by each party in proportion to its negligence.