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In a complex world of Professional and Executive Liability Insurance, lack of knowledge or comprehension of a product can turn reluctance into missed opportunities.  The success of an agent depends on the ability to work with a team that focuses on your success. Pro Lines Plus was designed to meet your market challenges and is your dedicated resource for Professional Liability.  Pro Lines Plus recognizes each agent has a different level of understanding of product knowledge.  Pro Lines Plus is here to meet you where you are and focus collaboration on profitably growing your Professional and Executive Liability business.  We are sharing our passion for service, solutions, and education by working to: 

  • Educate and connect the values of the products to the needs of the insured

  • Confidently define the exposures and evaluate proposed solutions

  • Act as a trusted adviser and facilitate a solution based conversation

  • Understand unspoken and spoken needs of the insured (to fill in those coverage gaps)

  • Provide the expertise to determine the right market and coverage 

  • Support  and extend your  market penetration and expertise 

Pro Lines Plus provides a unique set of tools, resources, and options to help you drive results.  With Pro Lines Plus you are good today, better tomorrow but we are always great together!

 Why +PLUS?

Classes of Business​

  • Accounting/bookkeepers/tax preparers

  • Agricultural Consultants/Farm Managers

  • Architects/Engineers – Design Firms

  • CPA’s

  • Educators Liability

  • Environmental Consultants/Pollution Exposure

  • Financial services

  • Home/Condo Associations

  • Home Inspectors/Safety Inspectors

  • Investigators/Fraud/ Background Screeners

  • Insurance Agents/Brokers E&O

  • Labor Unions D&O

  • Law Enforcement Officers

  • Lawyers

  • Management/Business Consulting

  • Non-Profit Organizations

  • Project Managers

  • Property Managers

  • Public Officials/Entities

  • Real Estate Agents/Broker E&O

  • Social Service Agencies

  • Social Media - Internet/ Website

  • Technology Consultants/ Software developers

  • Transportation/Freight Brokers

  • Travel Agents

  • Veterinarian

  • Water testing/soil testing

  • and many more!

 Employment Practice Liability

TARGET AUDIENCE: All private corporations and non-profit organizations!

The harsh reality is that businesses & non-profits are sued by their employees and volunteers every day.  It does not happen only to large businesses:

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  • An employer is nearly three times more likely to be sued by an employee than experience a fire.

  • Most lawsuits settle out of court, but when they go to trial employees win 70% of the time.

  • Average EPL claim is $70K for defense and compensation, which is 26% higher than 3 years ago.

  • Your customers, clients, and job applicants can sue you too for sexual harassment or discrimination - so 3rd party coverage is very important to have on this policy.

  • Small companies account for roughly 40% of all employee lawsuits & administrative charges.

 Privacy & Security Liability or Cyber Liability

TARGET AUDIENCE: Every organization that collects, stores, or processes personal information needs this coverage!

  • If you store your data with a data center/Cloud or with a 3rd party service provider

  • If you store human resource information for employees, applicants, and clients

  • If your employees can access emails on their laptop or cell phones

  • If you accept credit cards such as merchants, restaurants, bars, gas stations, grocery stores

  • If you are a medically related organization that has patient information – all types

  • If you are a tax preparer, CPA, bookkeeper, lawyer, hotels/motels, property managers

  • Schools, universities, municipalities, insurance agents, financial institutions

  • Click here to request a Cyber Liability quote!

 Non-Profit Directors & Officers Liability

TARGET AUDIENCE: Non-profit organizations - D&O insurance typically protects individual board members as well as employees, volunteers and the organization itself in the instance of a civil suit, and can also include Employment Practice Liability.

Insurance protection against an alleged breach of “duty” by the directors and officers such as:

  • Unfair employment practices

  • Mismanagement of the organization’s assets

  • Inefficient administration

  • Violations of bylaws

  • Conflicts of interest

  • Improper self-dealing

  • False or misleading reports

  • Continual absence from meetings

  • Failure to file annual report

  • Failure to detect embezzlement of funds

 Miscellaneous E&O Coverage

TARGET AUDIENCE – Any person or business who is a non-licensed professional would fall within a Miscellaneous E&O category.  Hundreds of industries from advertising service providers to wedding planners all have an E&O exposure.  As their agent, are you addressing all their exposures? 

A Commercial General Liability policy will not cover E&O claims unless it is specifically endorsed. Clients could allege that they suffered a financial loss due to an error you or one of your employees makes on the job such as:

  • Negligent performance of contracted services

  • Improper documentation

  • Improper fact verification

  • Missed deadlines/underperformance/missed projections

  • Higher than anticipated costs

  • Bad referrals or recommending employees or contractors

  • Misrepresentation of facts

  • Breach of nondisclosure

  • Loss of data, improper procedures or negligent handling of data

  • Infringement or violating of client’s trade secrets

  • Deliberate dissemination of false information

  • Violations of state and federal law, such as violation of

  • Frivolous suits & cross-suits for arising from the collection of fees

 

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