Business Insurance

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Robert Reed – Reed
Insurance Service LLC

Professional & Management Liability

Professional Liability & Management Liability includes three important areas:
  • Errors & Omissions Insurance (E&O)
  • Directors & Officers’ Liability Insurance (D&O)
  • Employment Practices Liability Insurance (EPLI)

Professional liability, more commonly known as ‘errors & omissions insurance,’ generally protects the business from malpractice or errors in providing services to your customers. Some states require a business owner to carry E&O or professional liability insurance in order to conduct business, such as physicians.


Directors  & Officers’ Liability includes additional protection for the individual directors and/or officers of a corporation for their official actions on behalf of the corporation. This coverage provides defense costs when directors or officers are named in lawsuits related to their corporate acts.


Employment Practices Liability covers your business against defense costs and awards of claims related to employment practices including wrongful termination or harassment lawsuits. This is the fastest growing area of insurance litigation and an important part of a comprehensive commercial insurance program.