Commercial General Liability covers you in the case of third party injuries and property damage that occurs through your professional activities. It also provides you with insurance for Libel and Slander, Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation, Non-Owned Automobile Coverage, and more.

• Libel and Slander: Libel and slander (also known as “personal injury”) can be encompassed under the umbrella term “defamation”. These are statements that damage a person or organization’s reputation resulting in emotional injury. Slander means any verbal defamatory statements. Libel refers to written defamatory statements. However, you are only covered if you unknowingly committed something that is considered libel or slander.
• Tenant’s Legal Liability: If you rent or lease a commercial property for your clinic and accidentally cause property damage, you could be held liable. Tenant’s Legal Liability will help defend you against legal actions and will provide you with funds to cover the damages.
• Employer’s Liability: This coverage protects you (the employer) from losses arising from job-related injuries of employees.
• Non-Owned Automobile Coverage: This refers to vehicles that are not owned by your company, but are being used for business purposes. For example, it provides protection if an employee must drive their own personal vehicle for business use. It covers bodily injury and property damage that is caused by such vehicles, because otherwise the employer can be held liable for employee-perpetrated accidents.

Unfortunately, you can be sued for any injuries or property damages that occur while working with clients—even if you’re not at fault, such as clients falling on your premises or an injury that occurs while you are at your client’s home or even in a hospital setting. Professional Liability Insurance will not cover these claims, only Commercial General Liability Insurance will.

Once you are aware of an actual or potential claim, report it to PROLINK immediately. Please refrain from making written or oral statements, and do not offer to compensate or admit liability. Taking such actions could interfere in the insurer’s ability to manage the claim.

Click here to see how you can file an insurance claim in 5 steps or less.

Yes. All members renew each year on October 1st. Professional Liability Insurance is a claims made policy which requires that an individual have an active policy at the time a claim is made. Ensure that you are protected! Keep your insurance policy active at all times–you never know when a complaint or legal suit may be brought against you!

If you have an active policy with PROLINK Insurance, please reach out to your Account Manager for “Extended Reporting Period” coverage.

An extended reporting period (ERP), also known as a discovery period or tail coverage, will keep your policy in force for a specified duration of time following cancellation or non-renewal and cover you for any claims reported within that period.