Whether you need D&O, EPL, E&O or other specialty insurance policies in the event of a demand for money, a claim or lawsuit, your organization could experience a significant financial setback. You need protection from claims brought by clients, employees, vendors and other third parties for economic damages stemming from acts, errors or omissions in the performance of professional services.

These types of liability exposures noted are generally not included under your company’s general liability policy. Regardless of the size of your company, we can help you better protect your business and your shareholders.

The HKIS Team possesses the expertise and market access to guide you through the complexities of professional liability insurance.

Our Approach

We’ve changed the paradigm on how executives and directors plan for future risks by providing a forward-looking view of your future risk profile. Your story is unique and we ensure that your story – your business strategy and situation – is heard first-hand by the underwriters with which we work. That’s how we set you apart in the marketplace: We develop a program with smarter, leading-edge solutions that best fit your needs, your risk profile and your appetite for risk.

We Can Provide Policies For:

  • Directors and Officers
  • Errors & Omissions
  • Employment Practices Liability
  • Fiduciary Liability
  • Crime
  • Cyber/Privacy & Data Breach Liability
  • Credit Insurance
  • Kidnap, Ransom & Extortion

Employment Practices Liability

Employment Practices Liability is an area of United States employment law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations.

Once we begin to design your complete employment insurance solution, our team will take advantage of HKIS’ substantial professional network in order to provide you with risk management resources like creating employee handbooks, and zero-tolerance policies toward discrimination and other EPL issues to get you the best coverage and premium options.

Errors and Omissions

Professional liability insurance (PLI), also called professional indemnity insurance, but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect against lawsuits or claims for advice and service for a fee that are either very real or just alleged. The right insurance policy can protect individuals or companies, so you don’t have to bear the full cost of defending against negligence claims not covered by your business general liability policy.

Medical, Dental, Legal, Real Estate and Other Professionals may face expensive & disruptive malpractice or negligence suits. Your HKIS insurance team will work with you to understand your business and provide the right coverage terms, deductible and premiums that are affordable.

Directors and Offices Liability

Whether you are a Non-Profit Entity, a For Profit Entity or an Association, people who serve as well as the entities themselves, need Directors and officers liability Insurance (often called D&O). This is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously. Intentional illegal acts, however, are typically not covered under D&O policies.

It has become closely associated with broader management liability insurance, which covers liabilities of the corporation itself as well as the personal liabilities for the directors and officers of the corporation.

HKIS can help protect you by understanding your needs and shopping for the broadest terms, best premium/value possible.

Cyber & Privacy Liability

Digital records are a modern convenience for employers, but they also create risk of identity theft in the event of a data breach. By thoroughly understanding your technology, policies, and risk prevention, our insurance team can design a policy to protect you in the event of breach, fraud, extortion, or other technology-related liability exposure that can affect your employees and/or customers.

What is Best for My Business?

Every business has a different exposure to risk and loss, which means that the insurance coverage needs of every business will be different. There is no one size fits all insurance package.

At HKIS, the customer comes first, and that means understanding your business and working with our underwriters and you to get exactly what your business needs.

Request a Call Back

Speak to our insurance team any time by calling us at (818) 225-8300, or fill out the form to the right and we will respond promptly.

We provide quotes and answer your questions for no fee; we want to be your insurance partners.

At HKIS, we take your privacy seriously and we will not share your details or send you spam.

Note: Your details are kept strictly confidential as per our Privacy Policy.

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