It may seem strange to consider that you might need a liability policy for what you do.
After all, you’re focused on helping other people, right?
Perhaps this is why you don’t think you need individual professional liability protection.
Unfortunately, these days the chances of getting sued for doing your job have increased dramatically. And without the right malpractice protection you could be risking everything you’ve worked so hard to achieve.
Why get your own liability policy?
The goal of liability protection is to protect your career, your personal assets and your family’s financial future from frivolous lawsuits while practicing your profession.
It’s more than getting some peace of mind.
After all it only takes is one lawsuit to create financial hardship for you and your family…
True enough your employer typically has some sort of coverage in place.
However, did you you know that their business policy is primarily designed to protect their interests first?
On the other hand, by having your own professional liability insurance policy you will have the benefit of added protection because the goal of the policy is to protect you… and your reputation.
When it comes to getting your own policy, here are two features you’ll want to consider:
- professional liability coverage
- personal injury coverage
Most employers, by and large, do not provide this in their plan — or provide you some coverage for a limited dollar amount.
Why is this coverage necessary?
If your employer or a client complains about you to the Board responsible for defining the standards of practice for your license, certification or registration, it can result in a hearing or trial.
Even if the complaint is dismissed, you could still be left with hefty attorney fees.
This feature covers you, up to the applicable limits of liability, from charges of slander, libel, abuse or sexual misconduct.
It may also provide protection from allegations of privacy violation. With patient privacy and HIPAA being in the spotlight right now, this coverage is invaluable for your counseling profession.
These are just a few factors to consider when it comes to getting the right liability coverage.
Get your free no-obligation quotes today
Are you searching for a personal umbrella insurance quote?
If you live or work in New York consider contacting Bruen Deldin DiDio Associates today. For more information you can visit their website, or give them a call at 800.660.6934 today. Either way it makes sense to get a no-cost evaluation of your existing insurance policies in order to identify any possible gaps in coverage.
And if you work in another part of the country save time and money with a free, customized, quote comparison from qualified insurance providers…
Get your free, no-obligation liability insurance quotes today.
Or you can follow the link for our directory of liability insurance providers that can help you get set up for your State or Metro area.
Either way the choice is yours…