Barth Howard Homeowners Insurance and Auto Insurance in San Ramon, California 

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Errors and Omissions / Professional Liability


 

What happens when an innocent mistake makes you an easy target for a lawsuit?

Can you afford a lawsuit because you made an innocent mistake and were an easy target for someone trying to recover losses?  

 

Errors & Omissions insurance is a policy that provides coverage for an individual in the event of unintentional mistakes. Errors and Omissions Insurance, commonly referred to as E&O, covers damages arising out of the insured's negligence, mistakes, or failure to take appropriate action in the performance of business or professional duties.

 

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E&O offerings

Consultants/Specified Professions

Notary Public

Property Managers

Real Estate Agents

Real Estate Appraisers

Recruiters

Tax Preparers 

Technology/Computer Consultants

 

  click here for my General Liability products

  click here for my Directors & Officers products

  click here for my Employment Practices Liability products

 

FAX COMPLETED APPLICATIONS TO (866)324-4996

 


Consultants/Specified Professions E&O                           download application pdf
                                                                                     FAX TO (866)324-4996

This product targets over 100 business types providing errors or omissions coverage for their professional services rendered.  Errors & Omissions exposures are negligence based, paperwork/administrative type errors, fund-handling errors, economic in nature and not based on bodily injury or property damage. 

 

Broad coverage includes duty to defend wording, defense outside the limit, personal injury for most classes and an option to include a Business Owners Package for most classes.

Here are some of the eligible classes of business.  Please contact me for any other type of business not listed.

 

Some eligible classes of business include:

bullet Answering services
bullet Audit services
bullet Audio-visual consultants
bullet Background check services
bullet Billing services
bullet Bookkeepers
bullet Caterers
bullet Claims adjusters
bullet Compliance consultants
bullet Concierge services
bullet Cost containment consultants
bullet Couriers
bullet Court reporters
bullet Document destruction services
bullet Document management services
bullet Education consultants
bullet Emergency training consultants
bullet Employment agencies
bullet Energy consultants
bullet Event planners
bullet Exhibit designers

 

bullet Expediting services
bullet Expert witnesses
bullet Fund raising consultants
bullet Grant writing services
bullet Graphic designers
bullet Guidance counselors
bullet Human resource consultants
bullet Insurance inspectors
bullet Insurance risk managers
bullet Interior designers
bullet Interpreters
bullet Lighting design consultants
bullet Mailing services
bullet Management consultants
bullet Marketing consultants
bullet Mediators
bullet Medical transcriptionists
bullet Meeting planners
bullet

Messengers

bullet Mortgage brokers
bullet Mortgage field inspectors
bullet Notaries
bullet OSHA inspectors
bullet Paralegals

bullet

Photographers

bullet

Printers

bullet

Private investigators

bullet

Process servers

bullet

Public relations consultants

bullet

Registered agents

bullet

Relocation services

bullet

Reserve study consultants

bullet

Resume services

bullet

Safety inspectors

bullet

Screening services

bullet

Seminar conductors

bullet

Speech therapists

bullet

Statistical consultants

bullet

Tax preparers

bullet

Telecommunications

consultants

bullet

Testing services

bullet

Training specialists

bullet

Translators

bullet

Travel agents

 


Notary Public E&O                                                           download application pdf
                                                                                      FAX TO (866)324-4996

Notary Public Errors and Omissions Insurance safeguards the Notary against costly and time-consuming lawsuits. Even if the suit is not valid, a notary could still be faced with legal defense bills. If he/she is not insured, he/she will pay those defense costs out of his/her own pockets, win or lose. 

 

Notary Public bonds protect the public, click here for bond info. 

 


Property Managers E&O

 

This E&O product is designed specifically for both commercial and residential property management companies.  Errors & Omissions exposures are negligence based, paperwork / administrative type errors, fund-handling errors, economic in nature and not based on bodily injury or property damage.  Most property management claims fall in the category of an alleged mistake in the professional services rendered.

 

There are four coverages offered on this policy, each with a separate limit of liability:

bullet

Errors & Omissions

bullet

Employment Practices Liability

bullet

Tenant Discrimination Coverage

bullet

Commercial Package (General Liability/Property)

Broad coverage includes:

bullet Duty to Defend Wording
bullet Defense Outside the Limit
bullet Personal injury Coverage
bullet Wrongful Eviction Coverage
bullet Personally Owned Property Coverage up to 100%
bullet Internet Coverage


Real Estate Agents E&O                                                   download application pdf 
                                                                                      FAX TO (866)324-4996

Real Estate Agents are often named in suits for failing to disclose defects with a property even if they are not at fault.  Defense costs from such a claim can cripple the business.  Real Estate agents owe a duty of care to their client to be loyal and to disclose all pertinent information or conflicts of interest.  Most claims against real estate agents allege that these duties were not fulfilled.

 

The Real Estate Agents E&O program is for real estate firms that derive at least 65% of their commission income from residential real estate. Appraisal work can be included as long as at least 70% of income is derived from residential appraisals. 

 

Broad coverage includes:

bullet Duty to Defend Wording
bullet Defense Outside the Limits
bullet Personal injury Coverage
bullet Discrimination Coverage
bullet Lock Box Coverage
bullet Internet Coverage
bullet Environmental Coverage Available
bullet Optional Businessowners Package


Real Estate Appraisers E&O

 

Real Estate Appraisers are being held to a higher standard of care as professionals.  Because of the booming real estate industry, there is a high volume of appraisals potentially leading to a greater number of errors being made by the professional.  Dissatisfied homeowners are naming appraisers in suits for failing to disclose defects in a property.  Further, the increase in property values has made it more challenging for appraisers to set correct values for properties.

 

This program offers the following:

bullet Duty to Defend Wording
bullet Defense Outside the Limits
bullet Internet Coverage Provided
bullet Coverage for Real Estate Sales Available
bullet Full Prior Acts Coverage Available
bullet

Optional Package with General Liability Coverage Available


Recruiters E&O Package

 

Recruiters are under greater scrutiny and face a growing threat of litigation due to high profile cases where leading firms failed to do comprehensive background checks or failed to disclose crucial information about a candidate.  Increasingly, employers are seeking damages for the cost of training & firing, cost to replace, and most importantly, loss of revenue.  According to several recent compensation surveys, a poor executive placement can cost the client as much as 25 times the candidate’s annual salary.

 

Recruiters also face potential claims from employees who feel that the job is not what they were promised or who feel that they have been placed in a hostile work environment.  The average cost to defend an Employment Practices Liability claim is $150,000 and the median award is $218,000. 

 

There are four coverages offered on this policy, each with a separate limit of liability:

Errors & Omissions

bullet Employment Practices Liability    (this is an optional coverage)
bullet

Tenant Discrimination Coverage

bullet

Businessowners Insurance Policy

Broad coverage includes:

bullet Duty to Defend Wording
bullet Defense Outside the Limit
 


Tax Preparers' Professional Liability                                          download application pdf
                                                                                      FAX TO (866)324-4996

Tax Preparers' clients wait until the last minute and expect to meet the IRS deadlines. There are not enough hours in the day and when the pressure is on, it's easy to make mistakes.

Tax Preparers' Errors and Omissions Insurance covers losses due to errors or omissions of persons who prepare tax returns for others for a fee, including incorrect or incomplete preparation of forms, calculation errors, and erroneous advice.

 


Technology / Computer Consultants E&O

 

Your clients can sue you for negligence in providing professional services, regardless of fault. Even frivolous lawsuits can incur significant defense costs. General Liability Insurance policies exclude professional services. Errors & Omissions Insurance is the only way to protect a Computer Consultant’s Company.

 

Programming errors, improper system installation/integration, and hardware maintenance are important areas of exposure for Technology Service providers. Allegations of copyright infringement, transmission of a virus, or unauthorized access to a client’s system due to the Computer Consultant’s error can result in losses in excess of $100,000. Can they afford to pay for their clients’ economic losses that result?

 

This product offers the following broad coverage features:

bullet Duty to Defend Wording
bullet Defense Outside the Limit of Liability
bullet Intellectual Property Coverage
bullet Malicious Code Coverage
bullet Unauthorized Access Coverage
bullet

Personal Injury Coverage

 

  click here for my General Liability products

  click here for my Directors & Officers products

  click here for my Employment Practices Liability products

 

 

California Insurance Agent

 

 

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Representative of top-rated insurance companies: Farmers Insurance Group, Blue Cross, New World Life, Foremost, CNA, United States Liability

Selling fire, homeautos, umbrella, Boats, life, business, commercial auto, earthquake, & flood.   California Insurance Agency directly serving the

entire State Of California and the communities of Alamo, Blackhawk, Danville, Dublin, Pleasanton, San Ramon, and greater SanFrancisco Eastbay

(All of California and zip codes 94506, 94507, 94526, 94566, 94568, 94582, 94583, 95688)