Barber Shop Liability

Most Businessowners Policies (BOPs) provide liability coverage on barber shops, including professional liability. However, barber shops with operations that make them ineligible for BOP treatment must use a market that specializes in their unique exposures.

Beauty & Barber Shops

Most Businessowners Policies (BOPs) provide liability coverage on beauty shops, including professional liability. When the BOP option is not available or when the professional liability exposure is more extensive than the coverage the BOP provides, a stand-alone professional liability policy is available. The specialty market underwrites the many different services that beauty shops offer and provides a combination of general … Read More

Body Piercing Liability

Body piercing is an ancient art form that adorns the body with jewelry. Rings and other jewelry are placed through piercings into the nose, navel, and other parts of the body. Specialists in tattoo shops and beauty parlors who operate as independent contractors often provide body piercing services.


Appraisers provide objective and unbiased estimates of the value of certain property. Many specialize in specific types of property, such as real property, jewelry, antiques, or fine arts. This coverage protects individual appraisers or appraisal firms against claims that allege negligence or bias in preparing appraisals.


This coverage insures against claims that arise from alleged negligent acts, errors, or omissions in researching the validity of real estate property titles and any restrictions on them. Coverage applies to claims that arise due to an abstractor providing either faulty or incomplete information about the title. It is usually written subject to a minimum deductible per claim and is … Read More

Associations Professional Liability

This insurance covers nonprofit associations professional liability exposures. The policy can include directors and officers liability that is designed specifically for nonprofit associations. The insuring agreement includes as named insureds all directors, officers, employees, committee chairpersons, and members, and any other association member while acting on the association’s behalf.

Timeshare/Interval Ownership Operations

Timeshare/interval ownership management companies need coverage similar to that provided to condominium associations. Nonprofit companies that are established to protect the assets of the individuals who collectively own timeshare units need the same coverage. Insurance protection for eligible risks is available for commercial property, liability, automobile, crime, inland marine, equipment breakdown, electronic data processing equipment, guest property, directors and officers … Read More

Escrow Agents E&O

This coverage pays for damages that arise from escrow agents’ negligent acts, errors, or omissions. In addition, mortgage service companies, mortgage departments of banks, savings and loan associations, and title companies often act in this capacity to arrange and service loans for real estate properties. Deeds, property taxes, and property insurance premiums are examples of items that title companies and … Read More

Property Management E&O

Property managers arrange for property maintenance, leasing or renting, construction, alteration, and land development. Any real estate firm must carefully supervise these and related activities in order to avoid errors and omissions claims. While many property managers are also real estate agents, not all are, and this coverage does not extend to any real estate agents E&O.

Real Estate Agents E&O

This coverage protects a real estate agency against claims for damages for financial loss due to the agency’s alleged negligence. The allegations of negligence must be related to the conduct of negotiations and business performance for others.