Professional Liability

About the Insurance Carrier

Lloyd’s of London

Lloyd’s of London has a history dating back more than 300 years, and has grown to be the world’s leader for specialty insurance.

“A” (Strong) rated by Standard & Poor's

“A-“(Excellent) rated by A.M. Best Rating

About the Insurance Policy

Available Policy Limits:

  • $250,000 per claim / $250,000 annual aggregate
  • $500,000 per claim / $500,000 annual aggregate
  • $1,000,000 per claim / $1,000,000 annual aggregate

(excess limits available on a per case basis)


  • $1,000 per claim or
  • $500 per claim

Higher deductible options are available for qualified clients upon request and pending underwriter's approval. 

Policy Type:

  • Claims Made

Policy Coverage:

  • Professional Liability

Cyber Liability and Computer Network Security Sub-Limit:

  • $1M standard to all policies, provided the E&O policy Limit is not below $1M 

Other Policy Benefits:

  • Broad definition of professional services
  • Worldwide coverage
  • HIPAA Fines/Penalties (Reimbursement) – 100k/200k standard
  • HIPAA Fines/Penalties (3rd Party) – FULL Limits
  • Alarm Monitoring Services Coverage – up to $2M Sub-Limit
  • Life-Line Monitoring Services Coverage – up to $2M Sub-Limit
  • Full limits on contingent BI/PD
  • Limit up to $2M, higher options available upon underwriter approval
  • Personal injury
  • $1M Defense Outside the Limit Option – Available to policies with Limits of $1M


This is only a partial, general description of the policy benefits and does not constitute a contract. Policy coverage and benefits are subject to the terms, conditions, and exclusions contained in the policy. The policy will govern if any conflict exists between these highlights and the policy. For complete provisions and exclusions, please refer to the policy itself.