TD Insurance has served communities in Phoenix and Tucson as well as the reast of Arizona for 33 years. Many of our long-term clients are small business owners. As a small business ourselves, we take pride in offering attentive customer support to accounts of every size. Throughout our years of service in the community, we have developed good relationships with a number of insurance carriers, and we can write customized commercial liability policies to fit any company or organization. Available policies include

• Professional liability insurance
• Employment practices liability insurance
• Directors and officers insurance

Professional Liability

This coverage, also known as errors and omissions insurance, provides protection for highly skilled professionals in the event of mistakes or negligence that causes damage or injury. This type of insurance is important for any professional doing a job that requires a high amount of skill. Individuals in need of professional liability coverage include

• Accountants
• Attorneys
• Counselors
• Therapists
• Beauticians and other salon workers
• Engineers
• Painters
• Plumbers
• Building contractors
• Insurance agents
• IT professionals

Employment Practices Liability Insurance

Commonly referred to as EPLI, this type of insurance covers employers against employment-related liabilities not related to on-the-job injuries. Coverage may include legal fees and other damages incurred due to wrongful termination suits, sexual harassment charges, discrimination suits and other allegations concerning employee rights. Our agents recommend that any business with employees have an EPLI policy.

Directors and Officers Insurance

Liability that covers directors and officers is commonly referred to as D&O insurance. Any company or non-profit organization with a board of directors or executive officers can benefit from this protection. In fact, many individuals will not serve on the board of an organization that isn’t protected by D&O insurance. This coverage insures directors and officers in the event of negligence, misleading statements or omissions that result in lawsuits or other damages against a company. At times a D&O policy is expanded to also include an employment practices clause.

To learn more about general liability and what you need to protect your business, contact TD Insurance today. When we take care of the insurance, you can be free to focus on running your business.

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