Professional Liability

Professional Liability insurance coverage, sometimes called Errors & Ommissions insurance (E&O), covers the mistakes your company is accused of making in relation to the services you provide.

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Are my professional services covered under my General Liability policy?

No!Unlike a General Liability policy which responds mainly to bodily injury or property damage your company causes, Professional Liability insurance provides coverage for claims that allege:

  • Negligence
  • Misrepresentation
  • Violation of good faith
  • Inaccurate advice
  • Failure to provide services

Some examples of the need for Professional Liability insurance include:

  • A printing company fails to complete an order of programs in time for opening night at the local theater.
  • An architect’s miscalculation causes his clients to pay their builder extra money in order to start over on the front staircase of their new luxury home.
  • A website development company misrepresents what they’re capable of producing in order to land a big client, only to find themselves taking shortcuts and delivering an inferior product.

Professional Liability Insurance Advice

If you provide services for clients on a fee basis, you have a Professional Liability exposure that needs to be covered, and it is imperative that you learn more about Professional Liability insurance.

We have various insurance blogs to help you understand more of your insurance needs, but to start a relationship with your new insurance agent request a quote. We can better explain your needs and be the best insurance agency you have worked for, because we work for your benefit.

Our Insurance Agency’s Advantage
As a client of Southern States Insurance you pay for more than a policy with our letterhead. We believe insurance is what can bring healing in tragic times of life. We want to see our clients succeed and thrive in their fields and with insurance they are able to continue to succeed even when setbacks occur.

Our Insurance company builds relationships with our customers to best understand their risks and insurance needs.

If their are ways to save – we will find them.

The price you pay you can be confident is the cheapest price available because we have shopped your coverage with numerous insurance carriers.

With Southern States Insurance you get more than an insurance quote you get an insurance agent who works to see you succeed.

Why Choose Us?

  • Quotes from numerous insurance carriers
  • Personal agent relationship
  • Available resources to minimize risks and cut costs
  • Invested in your success
  • In your communitty
How To Change Insurance Companies

Shocking, I know, but sometimes people just want to fire their insurance agent. It’s a sad realization that good insurance has become a rarity.

When an insurance policy holder wants to change insurance agents but keep the same carrier, they must provide the new agent with an Agent of Record letter. This grants the new agent legal authority to represent the policy holder with the same insurance carrier.

Most insurance carriers are legally bound not discuss a policy holder’s account with an insurance agent unless they are the agent of record. An Agent of Record letter gives the new agent rights to receive all communications on behalf of the policy holder.

How Do I Know I Have The Best Insurance?
Our definition of best insurance may be different than other carriers, and honestly it could be different than what you are looking for. We believe that the “best insurance coverage” for you is based first on good insurance coverage and second on lowest available cost.

Many people when shopping for the best insurance only use price as a factor of their decision. This is a very dangerous gauge of value.

Our Georgia insurance company believes you take many factors into consideration in attempt to find the best fit for you. Consider the following when shopping for insurance:

  • Is the agent trustworthy?
  • Is the agency personable?
  • What level of care should you expect?
  • What resources are available to you?
  • What does the claims process look like?

Ask your prospective insurance agent these questions and learn what is the option fit for you.

What To Look For In An Insurance Agent
An insurance agent is different than an insurance quote. An insurance agent provides guidance, advice and assistance while and insurance quote is information on the price of coverage. We begin with an insurance quote but then pair you with an insurance agent. Many company’s stop with the free insurance quote and do nothing to take care of you afterward.

From our insurance agent’s experience relationships make all the difference. Be sure you consider your relationship when choosing an insurance agent.

How To Buy Insurance With Confidence

With anything, we feel most confident on our decision when we are most educated. Our agents want to help you understand your insurance needs and coverage options. You can shop your insurance on your own to learn what options exist or you can ask one of our agents to shop over 30 insurance carriers and return to you the results.

You have to know and understand what you are comparing to be confident in the product you are buying. We aren’t able to write insurance with EVERY carrier available to you and we recommend you compare our offer to carriers we don’t write with. We will do everything possible to provide you with the best insurance available, and if you aren’t satisfied you can explore the options for yourself and put us to the test.

When you buy insurance coverage through Southern States Insurance, you can be confident you are buying a good product.

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