Liability insurance for business professionals

When you least expect it, a small business could be forced to submit to a professional liability lawsuit. Through such a lawsuit it could be alleged that you have been negligent or that you have made an error or omission while providing your services. Liability damages could cost hundreds of thousands of dollars.

State Farm ® Professional Liability Insurance can help you and your company pays for defense fees and court judgments resulting from claims of professional negligence, error, or omission.

Commercial Liability Umbrella Policy

Your business liability insurance can help protect you from lawsuits up to a certain limit—but is that enough? Just one substantial court judgment or decision could be enough to put your financial future at risk. A State Farm commercial liability umbrella policy can provide you with the additional financial protection your business needs. It’s available in $1 million increments and gives you extensive coverage at a reasonable price.

Civil liability for professionals

You never know when a dissatisfied client might file a lawsuit alleging that you have been negligent or that you have made an error or omission in the performance of your professional services. Fortunately, you can minimize financial hardship and help protect your future with a State Farm professional liability policy. We offer coverage designed specifically for:

• architects and engineers
• accountants and related businesses
• dentists

In addition, State Farm Business Owners Policies offer property, general liability, and professional liability protection as a convenient package for businesses such as:

• barbershops, beauty salons, and day spas
• clerical counseling
• retail pharmacies
• residential community associations
• veterinarians

And many more, such as professional liability for cemeteries, funeral directors, hearing aid specialists, notaries public, and eye doctors. Talk to a State Farm agent today to choose the policy options that best fit your specific needs.

Civil liability for errors or omissions

Mistakes happen. But even an innocent mistake on your part could lead a client to file a lawsuit against you for negligence. Any errors or omissions liability policy can help you and your company pays for judgments or court decisions. It also covers defense fees, which can be substantial, even if you are found not liable.

We offer coverage for a wide variety of professional services, such as real estate professionals, technology consultants, web designers, management consultants, programmers, marketing consultants, and many more.

Civil Liability Insurance for Employment Practices (EPLI)

If you run a business, you face the risk of being sued by an employee or applicant for discrimination, wrongful termination, or sexual harassment. Damages can include compensatory damages—and not just for lost earnings—and these claims aren’t covered by most general liability policies. A State Farm Employment Practices Liability Insurance (EPLI) policy can help protect you and your business in the event of unfair employment practice claims.

EPLI policyholders will receive access, at no additional cost, to a loss prevention human resources website and employment advice helpline.

Civil liability with EPLI for non-profit organizations

Nonprofits are not immune from liability, harassment, discrimination, or wrongful termination lawsuits; And even if the court decides in your favor, you could be forced to pay a substantial bill for your legal defense. State Farm’s Nonprofit Liability Policy, which includes EPLI, can help protect your organization from these claims. It also covers the directors, trustees, officers, employees, committee members, and volunteers of your nonprofit organization.

EPLI policyholders will receive access, at no additional cost, to a loss prevention human resources website and employment advice helpline.

Civil liability with EPLI for directors and officers of condominium and homeowners association

We offer coverage to help protect the policyholder against three types of serious liability claims:

• Civil liability for directors and officers (an act, error, or omission; erroneous or misleading statement; negligence or breach of duty on the part of the Organization or Individual Insureds).
• Discrimination against third parties (someone other than an employee or job applicant).
• Unjustified employment practices (including discrimination, harassment, termination of employment, and retaliation).