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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 Goggans Insurance, 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, Goggans Insurance 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 Goggans Insurance today to prevent mistakes and errors from becoming major losses for your business.

 

Our Locations

1.Fort Payne North Office

1.Fort Payne North Office

1801 Gault Ave N
Fort Payne, AL 35967
Main office: 256-845-7777
Fax: 256-845-9999
1.Fort Payne North Office
2.Fort Payne South Office

2.Fort Payne South Office

610 Gault Ave S
Fort Payne, AL 35968
Main office: 256-997-0029
Fax: 256-997-0189
2.Fort Payne South Office
3.Rainsville Office

3.Rainsville Office

363 Main St West
Rainsville, AL 35986
Main office: 256-638-3218
Fax: 256-638-8195
3.Rainsville Office
4.Scottsboro Office

4.Scottsboro Office

1905 Veterans Dr
Scottsboro, AL 35768
Main office: 256-574-3440
Fax: 256-259-5501
4.Scottsboro Office
5.Boaz Office

5.Boaz Office

12261 US Hwy 431
Boaz, AL 35956
Main office: 256-593-0227
Fax: 256-593-9941
5.Boaz Office
6.Centre Office

6.Centre Office

1207 West Main St
Centre, AL 35960
Main office: 256-927-3620
Fax: 256-927-3936
6.Centre Office

7. Jasper TN Office

3535 Main St
Jasper, TN 37347
Main office: 423-939-1113

Our Providers

Testimonials

If you want to know something about a car you call somebody like me that knows cars. If you want to know something about Insurance call somebody that knows insurance, like Goggans. April at the Fort Payne office has always taken good care of me.
Howard Hilyer 24-7 Towing
You ain't insurance people to me! You are my friends.
James Hargis