There are many different types of consultants. Whether you are a Business, Non-Profit Institution or Government Agency, you are at risk for claims. If you are not properly covered, you and/or your business could suffer a severe financial hardship if you are forced to pay for losses out of pocket. In a growing economy, and as technology continues to develop, businesses are exposed to a wider variety of hazards. While you are busy working with your clients, let us handle your insurance needs. We have access to a broad range of companies to be able to provide you with extensive coverage for things like Data Breach, Valuable Papers and Records, Computers and Media, and many others. Contact us today so we can make sure you have the coverage you need to protect your growing business.

Website Developer is hired to design a fully functional website for a communication company. After 6 months, the developer fails to deliver the website as promised in their contract and the company must hire another developer to finish the website. The communication company sues and claims damages of $3,000,000 which includes the increased cost to complete the website, lost profits because of the delay in delivery and the market value of the website. The Website Developer argues that the only damages sustained by the plaintiff were limited to the fees paid for the work on the website which was approx. $650,000. Discovery shows that the insured did, in fact, fail to deliver a fully functional website and they sustained damages because of his negligence. The jury renders a verdict for the communications company in the amount over $1,000,000.

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The claim scenarios described here are offered solely to illustrate the types of situations that may result in claims. The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.