Professional Liability Insurance for
Human Service Organizations

Proactive Risk Management

Simple Buying Process

Easy-to-Understand Policies

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions (E&O insurance, provides human service organizations with protection against claims of negligence or malpractice related to the service you provide. It is essential to have the right insurance coverage to protect your organization from the financial impact of a lawsuit.

Professional liability insurance

Personalized Insurance for Human Service Organizations

CTG Insurance understands your organization’s financial resources and reputation needs protection. We have you covered with professional liability insurance so you can focus on serving your organization’s clients and patients.

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Personalized insurance solutions that meet your unique organizational needs.
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Budget-conscious coverage that won’t break the bank.

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Dedicated customer service every step of the way.

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Decades of experience specializing in property and liability insurance solutions.

FAQs

Ask the experts. We’re here to answer your nonprofit insurance related questions.

Organization leaders may be held liable for damages if you are accused of professional negligence. Professional liability coverage can help protect your nonprofit from the financial ruin of legal fees in the event you are sued.

This type of insurance can help cover the costs of settlements or judgments against nonprofit organizations, as well as legal defense costs. Most nonprofits that provide professional services, such as consulting, legal advice, or therapy, will benefit from having this liability coverage.

Both coverages are essential for nonprofit organizations. D&O insurance helps to protect the organization and its directors and officers from a liability claim of mismanagement of the organization. Nearly all D&O policies have specific exclusions for professional services. Professional liability provides coverage from claims of actual or alleged negligence by the organization or an employee.

The answer depends on several factors, including the size of your organization and the nature of your work. Keep in mind, as a nonprofit organization, you are likely to be held to the same standards as for-profit businesses when it comes to professional liability insurance.

Be Prepared For Any Scenario.

Professional liability insurance claims can be complex and expensive to defend. Protect your organization with the right coverage, so you can focus on serving your community.

Allegations of Negligence Claim

A staff member at a counseling center fails to recognize self-harm thoughts in a patient, the counseling center is later accused of negligence when the patient causes harm to themselves resulting in a costly lawsuit. Defense fees and settlement costs were approximately $87,000.

Improper Supervision Claim

A nonprofit apartment complex for developmentally disabled adults improperly supervised one of the clients which lead to a severe injury. A lawsuit was filed, and the action was resolved with a settlement. Defense fees and settlement costs were approximately $50,000.

Missed Deadline and Oversight Claim

When a nonprofit organization helping low-income communities misses a tax deadline causing several clients to owe a fine to the IRS, the organization is sued to recoup the costs of the fines. Defense fees and settlement costs were approximately $18,000.

Misdiagnoses Claim

A nonprofit animal clinic diagnosed a pet cat with a sprained leg, but when the cat’s health did not improve, the owner got a second opinion showing the leg was in fact broken. The cat’s owner filed a claim against the volunteer veterinarian for damages. Defense fees and settlement costs were approximately $12,000.

Providing Peace of Mind When Serving Clients and Patients

We understand the challenging process of determining the right coverage for your unique needs. Start a quote and our team of experts will reach out to finish the discovery process and present you with a comprehensive proposal quickly.

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