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Professional Liability

Mistakes Happen

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At Spotts Insurance Group, we understand that mistakes happen. That is why we are committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it is important for your business to have general liability coverage for property damage and bodily injury, Spotts Insurance Group recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) - Having financial protection for your business’ Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative with Spotts Insurance Group today to prevent mistakes and errors from becoming major losses for your business.

 

Our Locations

*Wyomissing Office

74 Commerce Drive
Wyomissing, PA 19610
Main office: 610-624-6939
Fax: 610-374-9069

Allentown Office

1275 Glenlivit Drive
Allentown, PA 18106
Main office: 484-282-3997
Fax: 484-224-3011

Hamburg Office

1001 South 4th Street
Hamburg, PA 19526
Main office: 610-915-8694
Fax: 610-562-9201

Mertztown Office

410 West State Street
Mertztown, PA 19539
Main office: 610-285-1646
Fax: 610-682-6306

Reading Office

730 Washington Street
Reading, PA 19601
Main office: 610-624-6932
Fax: 610-372-3183

Schuylkill Haven Office

19 East Main Street
Schuylkill Haven, PA 17972
Main office: 570-500-1365
Fax: 570-385-1711

Our Providers

Testimonials

Our business has used Spotts Insurance Agency for all our insurance needs for 18 years. The customer service and associates knowledge is what keeps us here. Very welcoming and eager to assist whenever needed. Thank you to all the wonderful staff members that have assisted us and truly become friends. Thanks!

CMCS
My business has utilized Spotts Insurance Group since 2005 for our various insurance needs. We have always been pleased with the services provided. Their staff are extremely helpful and prompt in handling any inquiries or issues that may come up. I would recommend this agency to other individuals and business owners.

Anonymous
I have been a part of the Spotts Nationwide family for almost half of my life! They truly are an amazing group of individuals whom have done nothing more than try and accommodate and take care of me, and my family. Walking into the office, I am greeted by name, am asked about my family and feel this sense of home; you don't get that many places and often times interactions are rushed but never here. Thank you for taking care of us, Spotts Insurance Group!

Dnrouse
The people at Spotts Insurance Group are very easy to work with and very knowledgeable.

JeffP