This website provides only a partial description of certain terms, conditions, and services. It is intended solely for general informational purposes and does not provide any guidance regarding coverage that may or may not be available under a specific policy as respects any claim. Additionally, adequate limits are the responsibility of the policy holder. ATTORNEYS: If applicable, please make sure the limits you request comply with the rules of the state where you practice law. Please refer to the actual policy form for all applicable terms and conditions. Please note that we cannot bind coverage without a written request.
PROFESSIONAL LIABILITY / E&O INSURANCE
If you are in another profession, we can
provide you with the right policy.
CAIRN INSURANCE SERVICES, INC. IS A BROKER for Professional Liability/Errors & Omissions insurance. As a brokerage firm, it is our job to serve you, the insured. We must identify the specific hazards and risks associated with your business in order to ensure that your company is protected from professional errors/omissions and the litigation costs that arise from frivolous lawsuits.
ANNUAL REVIEW It is extremely important to shop your policy every year, because carrier preferences change frequently. There is no guarantee that the carrier with the best policy and/or price last year will be the best fit this year. In addition, your liability exposures will likely change over time. Our brokers will ensure your business is adequately covered year after year, at the lowest possible rate.
INSURANCE IS A RELATIONSHIP INDUSTRY We have access to top-rated providers of Professional Liability/Errors and Omissions insurance. Our relationships grant us access to the most comprehensive policies at competitive rates. We are able to find coverage in a wide variety of markets.
WHAT YOU CAN EXPECT FROM OUR BROKERS
Complete and honest representation of policies
Competitive integrity – we compete only on the basis of the value of our products and services
Personal responsibility and accountability
Prompt action and follow-up
Up-to-date information regarding applicable laws and regulations
Risk management advice
Annual review of your policy and liability exposure
Many brokers hold professional licenses and certifications, in addition to their insurance licenses
INSURANCE IS THE TRANSFER OF RISK FROM YOUR BUSINESS
to an insurance company. Insurance helps protect your company from economic ruin due to a variety of causes. Most commercial enterprises have some form of property and casualty (liability) insurance; however, standard policies and endorsements offered by many insurance companies do not cover businesses from all liability exposures. Professional Liability (PL) and Errors & Omissions (E&O) insurance was designed to fill coverage gaps.
PROFESSIONAL LIABILITY POLICIES have many names. Errors & Omissions insurance is a broad term that refers to PL policies written for insurance agents or adjusters, accountants, architects, and engineers. Lawyers Professional Liability (LPL) insurance is also known as legal malpractice insurance.
PROFESSIONAL LIABILITY/E&O INSURANCE PROTECTS businesses
from the liability arising out of the rendering of, or failing to render, professional services. It is designed to transfer the risk of liability for errors and mistakes made by a representative of your company that causes financial harm to another person, business, or organization. This type of liability exposure is not generally covered under standard Commercial General Liability (CGL) policies or Business Owners Policies (BOP). Some professionals are required to carry this insurance, while others opt to carry it as added protection.
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Cairn Insurance Services, Inc.9249 S. Broadway #200-442
Highlands Ranch, CO 80129