Great American Insurance Group has launched enhanced professional liability coverage for human and social service organizations. The coverage, offered through its Specialty Human Services Division, is designed to protect these organizations from lawsuits they may face for the professional services they provide.
Human and social service organizations provide a myriad of professional services, including counseling, social work, educational instruction and health care services. According to Michael Liguzinski, divisional president, Great American’s enhanced professional liability coverage provides human and social service organizations the insurance protection in the event of an alleged issue in rendering these services.
Liguzinski said a key feature of the policy is a broad definition of “professional services.”
“Rather than limiting the policy to apply only to those with degrees or certifications, our policy considers a professional someone that has specialized education, knowledge, labor, judgment and skill that is predominately mental or intellectual,” he explained. “For example, our policy could cover the leader of a church teen youth group who provides advice and guidance based on his or her parenting experience from raising teenagers.”
Additional policy features include:
- Limits of up to $1 million for each act, error or omission; $3 million in aggregate and $15 million umbrella limits.
- Claim and legal expense are covered outside the professional limit of liability.
- Professional coverage is provided for any act, error or omission regarding the rendering or failure to render a professional service.
Great American Insurance Group is based in Cincinnati, Ohio, and is primarily in property and casualty insurance, focusing on specialty commercial products for businesses, and in the sale of traditional fixed and fixed-indexed annuities in the retail, financial institutions and education markets. The members of the Great American Insurance Group are subsidiaries of American Financial Group, Inc. (AFG), also based in Cincinnati, Ohio.