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As a design professional, you know that every successful job begins with a clear understanding of your customer's needs paired with your plan to meet them.
Travelers understands that regardless of how well you plan for a project, the potential for mistakes in the performance of professional services is still very real. Your financial security can depend on how well protected you are from a lawsuit or claim.
The new Travelers 1st Choice+SM professional liability policy can help protect your firm against losses resulting from negligence, errors, and omissions in the performance of professional services. You want coverage that can grow and evolve with you and your business. The Travelers 1st Choice+ has many features that protect against potential loss and unanticipated exposures.
Network and Information Security Offense Coverage
Covers claims for the transmission of a computer virus; claims for the failure to control access to the insured's computer or network; and the failure to prevent unauthorized access to, or use of, data containing confidential information of others.
Crisis Event Expense Reimbursement
Reimburses costs of consulting services of a public relations firm incurred in response to a crisis event that has had a material adverse impact on the named insured's reputation. A crisis event includes the death or departure of principal, potential dissolution of the named insured, workplace violence, or other event that has a material adverse effect on the named insured's reputation. Limits are $10,000/$30,000. All payments are outside of the limit and no deductible applies.
Covers expenses associated with the evaluation and mitigation of a potential claim. The limit of liability or the deductible do not apply to pre-claim expenses.
If coverage is terminated and not replaced, an automatic extension of coverage will apply for claims made during the 60 day period after termination if the claim arises from a wrongful act committed prior to the termination date. Claim must be reported during the 60 day period.
No Consent to Settle Clause
Unlike other insurance carriers, Travelers liability does not end if you do not agree with a settlement offer to the plaintiff. This coverage enhancement gives you more freedom to pursue the settlement you think is best for your business, not the carrier.
Travelers Casualty and Surety Company of America and its property casualty affiliates.
One Tower Square Hartford, CT 06183
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
Included with Travelers' coverage, is access to our web-based loss control program, Risk Management PLUS+ Online®.Access our site »