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Professional Liability

Mistakes Happen.

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At First Choice Insurance, we understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it’s important for your business to have general liability coverage for property damage and bodily injury, First Choice Insurance recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) - Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative at First Choice Insurance today to prevent mistakes and errors from becoming major losses for your business.

Our Locations

*Poplar Bluff - Headquarters

1359 North Westwood Blvd
Poplar Bluff, MO 63901
Main office: 573-535-6675
Toll free: 888-842-4344

Cape Girardeau Location

1319 N Mount Auburn Rd.
Cape Girardeau, MO 63701
Main office: 573-271-2170

Perryville Location

18 W Sainte Maries St Suite 1
Perryville, MO 63775
Main office: 573-517-5010

Springfield Location

2760 S Kansas Expy
Springfield, MO 65807
Main office: 417-708-9106

Our Providers

Testimonials

"From my first appointment...I MATTERED, and YOU WILL TOO."
Tonya Furgeson
"Thank you to everyone at First Choice, Steve you have a great group. if you want good service when things are most difficult, think First Choice Insurance."
Steve Naff
"Great people!! Always done our business right!"
Senya Dobbs
"As always, I was treated in a positive, professional way from all of the staff! I have multiple policies with them from different carriers. Could not speak any higher of the group! Excellent!!"
Randy Kincy