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Professional Liability in Goleta and Santa Barbara, CA

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 Holmes & Holmes Insurance Agency, Inc., we understand that mistakes happen. That’s why we’re 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’s important for your business to have general liability coverage for property damage and bodily injury, Holmes & Holmes Insurance Agency, Inc. 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’s 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 reprentative with Holmes & Holmes Insurance Agency, Inc. today to prevent mistakes and errors from becoming major losses for your business.

 

Our Location

Holmes & Holmes Insurance Agency, Inc.

299 North Fairview Avenue, 2nd Floor
Goleta, CA 93117
Main office: 805-727-4132
Toll free: 866-681-0505

Our Providers

We have been John's client for 7 years and are very happy with the service he provides. In particular, I like that he is always ahead of policy renewal dates and makes any needed paperwork hassle-free. He assesses our policies annually to help us get the most comprehensive coverage at the most favorable rate. I would highly recommend him for your insurance needs.
David Robertson - President, HSN Consultants, Inc.
“Thank you for your strong advocacy and work for us”
Vinita – President, Saint Joseph Supported Living Service, Inc.
Thank you so much for your diligence and perseverance on this. We are so grateful! The process and questions have helped us to identify the areas where we needed to implement some necessary risk-management procedures. We are better for it!
Nancy Martz - Apples to Zucchini Cooking School