Business Professional Liability Insurance
Every small business is at risk of a lawsuit, whether from error or negligence or from a claim of discrimination, harassment, or wrongful termination. The MIA Group can offer a variety of business property and liability insurance packages, as well as umbrella and special liability solutions, to help protect your organization from costly legal judgments, settlements, and defense fees. Your advisor can help you select coverage for your business needs.
Commercial Liability Umbrella Policy
Your business property and liability insurance package can help protect you from lawsuits up to a certain limit. It may take only one substantial judgment or settlement to put you at financial risk. A Commercial Liability Umbrella Policy can provide the extra financial protection your business needs. Available in $1 million increments, it offers broad coverage at a sensible price.
A disgruntled client might file a lawsuit claiming you’ve been negligent or made an error or omission while performing your services. Luckily, you can minimize financial hardship and help protect your future with a Professional Liability policy. We have access to coverage designed specifically for:
- Architects and engineers
- Accountants and related businesses
Employment Practices Liability Insurance (EPLI)
If you run a business, you face a serious risk of being sued by an employee or applicant for discrimination, wrongful termination, or sexual harassment. Damages can include compensatory awards, and these allegations aren’t covered by most general liability policies. An EPLI policy can help protect you and your business in the event of wrongful employment practice claims.
Not-for-Profit Organization Liability with EPLI
Nonprofits aren’t immune from liability, harassment, discrimination, or wrongful termination lawsuits — and even if the court decides in your favor, you could be stuck with a substantial legal defense bill. A Not-for-Profit Organization Liability policy, which includes EPLI, can help protect your organization from these claims. It also covers your nonprofit’s directors, trustees, officers, employees, committee members, and volunteers.
Errors and Omissions Liability
Do we make mistake? Sure we do. But even an innocent error could lead to a client bringing a lawsuit against you for negligence. An Errors and Omissions Liability policy can help you and your company pay for legal judgments or settlements. It also covers defense costs, which can be substantial even if you’re not found liable.