Professional liability insurance for attorneys, or legal malpractice insurance, protects lawyers against claims of negligence or errors in their work. It covers defense costs, settlements, or judgments, helping to safeguard their finances and reputation in case of a lawsuit. This insurance is essential for attorneys to manage the risks of legal practice.

Corporate Liability
Corporate liability is the responsibility a company has for actions that cause harm or legal issues, like breaches of contract or negligence. If found liable, a company can face fines, legal costs, or damage to its reputation. This insurance provides companies peace of mind and ensures they are financially prepared for unexpected challenges.

Dental Malpractice
Professional Liability or Malpractice Coverage for a dentist is crucial because it provides protection against claim of malpractice or negligence. In the dental profession, even minor errors or perceived mistakes can lead to significant legal challenges and financial burdens. This type of insurance ensures that dentists are covered for legal fees, settlements and any damages awarded, allowing them to focus on providing quality care without the constant worry of potential lawsuits arising from their work. Additionally, having Professional Liability Coverage enhances the dentist’s credibility and trustworthiness in the eyes of their patients, reassuring them that they are in safe and responsible hands.

There are two policy types available:

• • Claims Made
  • Occurrence

E&O
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies. Alliant recommends that all professional and technology companies have E&O coverage.

A Business Owner’s Policy offers small business protection. Coverages that are included in a BOP are:

Property
Building, Contents, ERISA, Leasehold Improvements

Business Income
Helps replace lost income if the business is unable to operate due to property damage.

General Liability
Protection for your business & assets in the event of a lawsuit for things such as:

• • Negligence
  • Bodily injury
  • Property Damage
  • Libel
  • Slander

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car.

Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? This coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it's a business such as selling cosmetics, jewelry, or pizza delivery.

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Alliant can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed as well. If you have employees, it is critical that you consider workers comp coverage.

Does your business or nonprofit need Employment Practices Liability Insurance (EPLI)? If you have employees, there is always the risk of claims. including wrongful termination, discrimination, sexual harassment, negligent employee evaluation, wrongful deprivation of a career opportunity, invasion of privacy, and many others. Your current liability insurance does not cover these exposures. One disgruntled worker can put your business at risk if they bring a lawsuit against your business, regardless of the outcome.

EPLI Risks can include:

• • Wrongful Termination
  • Discrimination
  • Sexual Harassment
  • Negligent Employee Evaluation
  • Wrongful deprivation of a career opportunity
  • Invasion of Privacy

Some EPLI policies also provide coverage for third-party claims which could be brought against your business. For example, a client or vendor alleging discrimination or harassment by your business.

Many EPLI policies include pre-claim services and resources, such as sample employment handbooks, employment law advice hotline, etc.

The best defense against this risk is knowing the laws in your state and having policies and procedures that meet or exceed and have a comprehensive EPLI in place before anything happens.

Regardless of what type of business you own or manage today, you need cyber liability insurance. You probably have some type of online presence, but even if you operate entirely from a brick-and-mortar location, you need protection against hackers. Identity theft is rising, and cyber-crime that compromises your customer or patron base can cripple your organization if you don’t have the right protection in place.

D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may also be broadened to include coverage for employment practices liability.

Flood and earthquake coverage in Oklahoma gives you crucial protection against natural disasters that aren't typically included in standard homeowners’ insurance. With the state's risk of both flooding and seismic activity, having this coverage helps ensure you're financially secure if damage occurs.

Offering a group health plan helps small businesses attract and retain talent, boost employee morale, and fosters loyalty. As an independent agency, we offer small group health insurance by providing personalized guidance and access to multiple carriers, ensuring businesses find the best coverage at competitive rates.

There are several options for employers looking to set up a group health plan for their business:

Consumer-Directed
A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.

High Deductible Health Plan
A high deductible health plan (HDHP) offers lower monthly premiums, making it a cost-effective option for individuals or businesses looking to save on healthcare expenses. While the deductible is higher, HDHPs often pair with Health Savings Accounts (HSAs), allowing users to save pre-tax money for medical expenses.

HSA
An HSA offers tax savings, as contributions are made with pre-tax dollars. Funds can be used for qualified medical expenses, roll over year to year, and grow through interest or investments, providing a flexible, long-term savings option.

Fee for Service
A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

Managed Care
Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

• • Group Life
  • Group Vision
  • Group Disability

Individual professional liability insurance provides personal protection for professionals against claims of negligence, errors, or omissions in their work. For those with family coverage, it extends this protection to include family members who may be involved in your business. This insurance helps cover legal costs, settlements, and judgments, giving you peace of mind knowing your personal and family assets are safeguarded while you continue your work. It’s an essential safety net for both individuals and families in professional roles.

Individual
Individual health coverage provides personal protection by ensuring access to essential healthcare services, helping to manage medical costs. It offers flexibility in choosing providers and plans, giving you the ability to select coverage that fits your specific needs. With individual health insurance, you can also benefit from preventive care, prescription drug coverage, and financial support in case of unexpected medical events, giving you peace of mind and security.

Family
Family health coverage offers numerous benefits by ensuring everyone in the household can get the care they need without worrying about high medical costs. This coverage promotes overall well-being, as it enables regular check-ups, early detection of health issues, and timely treatment. With family health insurance, you can feel confident knowing your family’s health is taken care of, no matter what.

The best time to check into Medicare Supplements (Medigap) is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. But choosing the correct supplemental insurance to meet your needs can be confusing and overwhelming. Fortunately, our trained agents are committed to helping you sort through all the options available.

Everyone 65 and older is entitled to the basic Medicare coverage, but typically it only covers about 64 percent of the annual health-care costs. Added to the expense not covered by Medicare, there are deductibles, co-payments, and coinsurance to pay. This is why many choose Medicare Supplements and at Alliant, we can assist you in your insurance coverages.

Long term disability insurance helps cover your expenses if you become unable to work due to a covered illness or injury. Accidents and illness can happen to anyone, at any time, and can impact your ability to earn money. Financial experts recommend long term disability insurance as part of a sound financial plan.

Business overhead expense insurance serves as a financial safety net for the company you've worked so hard to build. If you are unable to work due to a covered disability, business overhead expense insurance will reimburse you for business expenses so you can keep your doors open.

The right life insurance is unique and dependent on your personal and financial needs. As your life changes and family grows, your life insurance coverage should adapt to grant your family the financial security they deserve. Ensure your family can meet their short- and long-term financial obligations in case of the unexpected.

• • Annual Renewable Term Life Insurance
  • Simplified Issue Annual Renewable Term Life Insurance
  • 10-Year or 20-Year Level Term Life Insurance
  • Guaranteed Issue Annual Renewable Term Life Insurance

Vision is one of the most precious gifts humans are given. We use our eyes to learn in school and to perform our jobs as well as to complete household tasks. If your employer doesn’t provide vision coverage for your entire family, consider the individual and family vision coverage options available through Alliant Insurance. You can choose different coverage options based on your personal needs:

• • Free or discounted routine checkups
  • Free or discounted lenses
  • Discounted frames
  • Free or discounted corrective surgeries

Vision problems can be a source of chronic headaches. An inability to see well can cause problems at school and work. Protect your family’s vision today with a vision insurance package.

Today, the cost of nursing homes and elderly care is continuing to rise. If you plan now, you can provide you and your family with the coverage you need to protect your assets and maintain financial security that you may need later in life. If you are unable to perform daily activities because of impairment due to chronic illness or disability, you may need long term care provided by sources such as home health aides, assisted living centers, or nursing homes.

In addition to Home, Auto, & Umbrella, Alliant can also insure the following:

• • Renters
  • Pet
  • Earthquake
  • Flood
  • Classic Auto
  • RV
  • Motorcycles
  • Boats