PROFESSIONAL LIABILITY

Norman-Spencer has the carrier relationships you need to get your insureds the best professional liability coverage.  We have the same values you do – quality coverage, quick turnaround and competitive pricing.  

Have Questions?

Reach out to Jason Norman
jasonnorman@norman-spencer.com
937.432.3516

Trust Norman-Spencer to have your back.
Call us at (800) 543-3248 to learn more about application requirements and submission requirements.

MISC. PROFESSIONAL CLASSES

OVERVIEW

Our professional liability insurance options for you include primary, excess cyber liability and excess follow form coverage. Some of our targeted classes include real estate agents/brokers, property managers, marketing firms and management consultants. 

Highlights
  • Primary

    • Broad definition of professional services
    • Most favored venue language for punitive damages
    • 50/50 hammer clause
    • Definition of wrongful act includes personal injury

    Excess

    • Pure follow form coverage with no new terms, conditions or exclusions to excess policy
    • Recognizes exhaustion by underlying carriers, insured, or DIC carrier

    Excess Cyber

    • Both standalone and blended program business
    • Policy contains a broad definition of professional services
    • Professional services tailored for each insured
    • Definition of wrongful acts includes personal injury
    • Most favored venue language for punitive damages
    • Disciplinary proceedings reimbursement – $10,000 per policy period
    • 50/50 hammer clause
    • Up to 6-year extended reporting period options available
    • Employed lawyers liability coverage option available
    • Broad third-party only computer network security coverage option available

Available Classes
  • Real Estate & Property Services
  • Insurance Agents
  • Architects & Engineers
  • Home Inspectors
  • Technology Service Providers
  • Financial Consultants
  • Management Consultants
  • Staffing/Employment
  • Trustees
  • Business Process Outsourcing
  • Claims Adjusters
  • Travel Services
  • Advertising/Marketing
  • Public Relations
  • Printers/Publishers
  • Franchisors
  • Actuaries
  • Freight forwarders/logistics
  • Marketing firms
  • Accountants
  • Property Managers

OVERVIEW

Our professional liability insurance options for you include primary, excess cyber liability and excess follow form coverage. Some of our targeted classes include real estate agents/brokers, property managers, marketing firms and management consultants. 

Highlights
  • Primary

    • Broad definition of professional services
    • Most favored venue language for punitive damages
    • 50/50 hammer clause
    • Definition of wrongful act includes personal injury

    Excess

    • Pure follow form coverage with no new terms, conditions or exclusions to excess policy
    • Recognizes exhaustion by underlying carriers, insured, or DIC carrier

    Excess Cyber

    • Both standalone and blended program business
    • Policy contains a broad definition of professional services
    • Professional services tailored for each insured
    • Definition of wrongful acts includes personal injury
    • Most favored venue language for punitive damages
    • Disciplinary proceedings reimbursement – $10,000 per policy period
    • 50/50 hammer clause
    • Up to 6-year extended reporting period options available
    • Employed lawyers liability coverage option available
    • Broad third-party only computer network security coverage option available

Available Classes
  • Real Estate & Property Services
  • Insurance Agents
  • Architects & Engineers
  • Home Inspectors
  • Technology Service Providers
  • Financial Consultants
  • Management Consultants
  • Staffing/Employment
  • Trustees
  • Business Process Outsourcing
  • Claims Adjusters
  • Travel Services
  • Advertising/Marketing
  • Public Relations
  • Printers/Publishers
  • Franchisors
  • Actuaries
  • Freight forwarders/logistics
  • Marketing firms
  • Accountants
  • Property Managers

Have Questions?

Reach out to Jason Norman
jasonnorman@norman-spencer.com
937.432.3516

Trust Norman-Spencer to have your back.
Call us at (800) 543-3248 to learn more about application requirements and submission requirements.