Professional & Business Liability

The Professional & Business Liability policy covers your legal obligations for injury due to acts or omissions in the rendering of professional services. It provides coverage for:

• Prior acts (if needed and by request)
• Reporting endorsement (if needed and by request)
• Business liability
  • Fire and water legal liability
  • Non-owned automobile liability
  • Hired automobile liability

Additional coverage with specific sublimits include:

• Identity recovery (with option to extend coverage to resident household members)
• Employee benefits liability
• Medical waste legal defense reimbursement
• Regulatory authority legal defense reimbursement
• Medical payments
• Property in the care, custody and control
• Defendant expenses reimbursement

Optional Employment Practices Liability coverage is also available under the Professional & Business Liability policy.

Available Limits
Professional & Business Liability coverage is available with the following liability limits:

• $500,000 each claim/$1.5 million aggregate
• $1 million each claim/$3 million aggregate
• $3 million each claim/$3 million aggregate
• $1.5 million each claim/$4.5 million aggregate
• $5 million each claim/$5 million aggregate

More Information
Each Professional & Business Liability policy is a participating policy, where TDIC returns unneeded premiums in the form of policyholder dividends. Visit Policyholder Benefits to learn more about our policyholder dividends and any premium discounts for which you may qualify.