Errors & Omissions

Stand-Alone Coverages

Accountants Professional Liability Insurance

Target: Small to medium private accounting firms (one to fifty professionals) including CPA’s, public accountants, enrolled agents, tax preparers, bookkeepers and other accounting professionals.
Capacity: $5 million
Minimum Premium: $500
Minimum Deductible: $1,000
 
Small to midsize accounting firms (one to fifty professionals) are just as exposed to liability risk as larger firms. But many aren’t adequately protected, placing them in jeopardy for high-dollar lawsuits if mistakes occur. Designed for small to medium private accounting firms, including CPAs, public accountants, enrolled agents, tax preparers, bookkeepers and other accounting professionals, The Hartford offers accountants professional liability protection that can be customized to meet the specific needs of each accounting firm.
 
This coverage is administered by Target Insurance Services1, a countrywide program administrator-managing general underwriter with years of experience handling professional liability coverage. Firms are individually underwritten by a dedicated team of experienced professional liability underwriters.
 
For further information, contact:
Pam Feltz
P: 331-333-8236
Email: APL@TargetProIns.com
To learn more, visit http://targetproins.com
 
Target Insurance Services, Inc. is not an affiliate of The Hartford.
 


New Business Applications

Accountants Professional Liability Application

 

Applications are submitted through the Program Manager, Target Insurance Services
 

Marketing Materials

The Hartford Professional Liability Insurance Policy®

Target:
 
  • Consultants – all types of business consultants, including: administrative services, business communication consultants, economic/market research, corporate trainers, management consultants, marketing consultants, operational/strategic planning consultants
  • Media services companies – advertising agencies, graphic design firms, marketing companies, public relations firms,
  • Third-party administrators – claims handling, enrollment services, customer service
  • Trustees – beneficiary or liquidation
  • Other classes – answering services/call centers, arbitrators/mediators, auctioneers, electronic data processors,  process servers, staffing/employment agencies, travel agents
This policy protects against the errors and/or omissions that may arise from the professional services provided for clients and other third parties. These errors could range from a misrepresentation in a multimillion dollar advertising campaign, to an oversight in the recommendations provided for a multinational corporate restructuring.
 

Excluded Classes

Medical professionals, accountants, architects & engineers, collection agencies, construction managers, freight forwarders, law firms, insurance agents, mortgage brokers, title insurance companies.
 

New Business Applications

Renewal Applications

 

Supplemental Applications

Marketing Materials

Home Inspectors Professional Liability Insurance

Target: Residential home inspector firms
 
Even if you’re the most seasoned professional – conducting several hundred inspections per year – mistakes happen, putting you at risk for potential lawsuits. To help address this exposure, The Hartford offers stand-alone professional liability protection that can be customized to meet the specific needs of each home inspection firm.
 
Benefits Include:
 
  • Underwriters who specialize in home inspection
  • Accessible risk management assistance
  • Competitive pricing for a broad range of benefits and options
Coverage is offered through BNK Insurance Services1, our exclusive program manager. The BNK team is dedicated to understanding real estate risks, with a wealth of knowledge and a track record of delivering insurance solutions. Most importantly, BNK is a company that can deliver the personal service you value.
 
For further information, contact:
Jose N. Macias
P: 888-337-6259
E-mail: information@bnkins.com
To learn more, visit www.bnkins.com
 
1BNK Insurance Services, Inc. is not an affiliate of The Hartford.
 


New Business Applications

Home Inspectors Professional Liability Application

Applications are submitted through the Program Manager, BNK Insurance
 

Marketing Materials

Lawyers Professional Liability Insurance

To help law firms protect against losses resulting from negligence, errors and omissions in the performance of professional services, The Hartford offers tailored coverage for:
 

Law Firms with Less Than 20 Attorneys

The Hartford knows that no two law firms are alike. We understand that a sole practitioner has different coverage needs than a much larger firm. That's why we tailor professional liability coverage to meet the size and needs of each firm.
 
Tailored protection for legal firms with 19 or fewer attorneys is offered through Target Insurance Services1, a countrywide program administrator-managing general underwriter with years of experience handling professional liability coverage for attorneys.
 
Hartford Agents: Access the Lawyers Professional Liability Application
If prompted, please enter your EBC User ID and password.
 
Others should submit applications to:
Shawna Reidy
331-333-8239
 
Coverage not available in NJ, HI, OR & WY
 

Law Firms with 20 or More Attorneys

The Hartford’s specialized team of underwriters offers professional liability coverage on an excess basis to large law firms with 20 or more attorneys. With a reputation for superior service, all claims are adjusted by a licensed attorney with both private practice and insurance industry experience.
 
For further information, contact:
Steve Boughal
212-277-0436
 
1Target Insurance Services, Inc. is not an affiliate of The Hartford.
 


New Business Applications

 

Marketing Materials

Real Estate Professional Liability Insurance

Target: Small to midsize firms engaged in one or more of the following classes of business:
 
  • Residential Sales
  • Commercial Sales
  • Real Estate Leasing
  • Property Management (Third Party)
  • Consulting / Counseling
Managing a real estate agency can be a risky business as real estate transactions increase in complexity. We live in a litigious environment and the dollar value associated with a real estate situation is often very high. To help address these exposures, The Hartford offers errors & omissions (E&O) liability coverage through BNK Insurance Services1, our exclusive program manager. The BNK team is dedicated to understanding real estate risks, with a wealth of knowledge and a track record of delivering insurance solutions. Most importantly, BNK is a company that can deliver the personal service you value.
 
For further information, contact:
Jose N. Macias
P: 888-337-6259
E-mail: information@bnkins.com
To learn more, visit www.bnkins.com
 
1BNK Insurance Services, Inc. is not an affiliate of The Hartford.
 


New Business Applications

Real Estate Professional Liability Application

 

Applications are submitted through the Program Manager, BNK Insurance
 

Marketing Materials

FailSafe® Product Suite

Target: A broad array of technology companies, including:
 
  • Software & information technology
  • Hardware & electronics manufacturing
  • Telecommunications & integrated communication services
Technology is integral to the operation of most businesses today. When technology fails, the financial impacts can be significant, and the companies impacted often look to their technology product or service providers for compensation. But not all companies need the same level of protection, which is why we developed our FailSafe® product suite, which features three increasingly robust coverage options.
 
FailSafe can be tailored to your clients’ unique business needs:
 
  • FailSafe MEGA®: Superior E&O coverage available by endorsement to Spectrum® Business Owner’s Policy clients.
  • FailSafe GIGA®: A standalone E&O policy available to all tech companies.
  • FailSafe TERA®: A more robust E&O product, which expands the coverage of FailSafe GIGA.

New Business Applications

Renewal Applications

 

Marketing Materials

Package Policies

The Hartford Asset Management ChoiceSM Policy

Target: Asset managers, including private registered investment advisers, hedge funds, mutual funds and other wealth management firms and advisers.
 
The Hartford Asset Management ChoiceSM Policy offers investment firms the ability to design coverage by electing all or a combination of investment adviser professional liability, directors and officers liability, investment company directors and officers liability and investment company professional liability, and affiliated service provider liability. The Policy helps protect investment advisers, mutual fund directors/trustees and hedge funds against claims resulting from wrongful acts specific to their industry – whether they arise in the provision of professional services or involve other emergent areas of risk, such as cyber.
 
Combined with our Middle Market standard lines solutions (Property, General Liability, Commercial Auto, Workers’ Compensation and International coverage), The Hartford provides investment advisers with the broad protection they need and the service they deserve.
 

New Business Applications

Forms

Marketing Materials

The Hartford Private Equity Choice® Policy

Target: Tradition PE, Growth PE, Venture Capital, Real Estate Funds, Mezzanine Funds, SBIC Funds and Fund of Funds
 
The Hartford Private Equity Choice® Policy responds to the complex needs of private equity and venture capital firms structured as limited partnerships, general partnerships, joint ventures, corporate D&O/partnership D&O (combination), trusts, limited liability companies (LLCs), limited liability partnerships. The policy helps protect directors, officers, managers, principals and general partners of and funds against loss (damages and defense cost) arising out of their status or conduct as such. Coverage is also provided for regulatory proceedings targeting the firm and professional services rendered by the firm and its employees. Further, outside directorship liability is available for directors who sit on boards of portfolio companies. Common claims allege breach of duty, regulatory violations, unfair market conduct, controlling shareholder liability, and prospectus misrepresentation.
 

New Business Applications

Forms

Marketing Materials

Directors & Officers Liability and Errors & Omissions Liability Policy

Target: Property & Casualty, Life or Accident & Health insurance companies with at least $1 billion in policyholder surplus,* A.M. Best ratings of A- or higher, multiple product lines and geographically dispersed risk characteristics. Coverage is intended for companies that are financially sound with established management teams and strong corporate governance.
 
This policy protects insurance companies against loss (damages and defense cost) arising out of extra-contractual obligations as well as their status or conduct as directors or officers. Common claims allege bad faith in the claims handling process, breach of duty, security law violations, and unfair competition.
 

New Business Applications

 

Forms

Excess Coverage

The Hartford Premier ExcessSM Policy

Target: Public and private organizations of all sizes
 
In today's challenging environment, seamless excess coverage is particularly important for managing enterprise, legal and regulatory risks. The Hartford’s new simple, follow form Premier ExcessSM Policy provides market-leading protection to help streamline your process for placing excess coverage over most management and professional liability products, including:
 
 
Policy highlights include:

  • A concise one-sentence follow form insuring agreement;
  • Streamlined exhaustion wording; and
  • Less excess baggage, with a limited number of provisions;
  • User-friendly form saves you time and helps streamline your process
  • Excess Crime (Fidelity) coverage is available through The Hartford Universal Excess® Simplified Policy.
As an added benefit, this coverage is underwritten by the same knowledgeable underwriter who would handle the primary coverage.
 

Forms

Marketing Materials

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