THE ONLY PLI + GENERAL LIABILITY INSURANCE FOR ATHLETIC TRAINERS IN ONE POLICY

PLI COVERAGE DETAILS FOR ATHLETIC TRAINERS //

> PROFESSIONAL LIABILITY – UP TO $1M / $3M

Professional liability insurance helps cover you (and your company) if you make a mistake in the professional services given to a customer or client. This coverage is also known as errors and omissions insurance (E&O). Even if you’re an expert in your business, mistakes happen. And if your client or customer thinks a mistake in your professional services caused a financial loss, they can sue you.

> GENERAL LIABILITY – UP TO $1M / $3M

General liability insurance (GLI) is sometimes called business liability insurance or commercial general liability insurance. This type of liability insurance coverage helps protect your business from claims that it caused bodily injuries or property damage to others. Without general liability coverage, you’d have to pay for these claims out of pocket. Comprehensive General Liability is automatically included which could be upwards of $1,900 higher on competing policy providers.

> PRODUCTS-COMPLETED OPERATIONS – UP TO $1M

Products-Completed Operations Coverage helps cover liability claims resulting from your business’ product or completed operations that were done away from your location. It can help cover claims that your business caused bodily injury or property damage.

> PERSONAL AND ADVERTISING – UP TO $1M

Helps cover malicious prosecution, slander, libel, wrongful eviction and violating a person’s privacy. Also, copyright infringement is covered with a general liability policy.

> LEGAL REPRESENTATION

The policy includes legal representation for covered incidents. This means you have an attorney assigned to you to represent your interests – not the interests of others such as your employer. The legal fees and expenses are in addition to your professional liability policy limits, which is a key benefit to you as this means legal fees and expenses do not erode your liability limits.

> LICENSING BOARD REIMBURSEMENT – UP TO $1M / $3M

Covers up to $1,000,000 per incident / $3,000,0000 per policy period for attorney fees or other expenses or fees from an investigation or proceedings from an entity responsible for regulating your profession. In most regulated professions, anyone can file a complaint against you such as your patient, patient’s family, your employer or coworker. If you’re employed, your employer may not reimburse you for investigations or proceedings.

> DEPOSITION EXPENSE – UP TO $1M / $3M

Covers up to $1,000,000 per incident / $3,000,000 per policy period for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.

> MEDICAL PAYMENTS – UP TO $25,000 ALL PERSONS

Covers up to $25,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period.

> DAMAGE TO PROPERTY OF OTHERS – UP TO $300,000

Covers up to $300,000 for damage to property of others caused by you during the policy period.

> FIRST PARTY ASSAULT COVERAGE – UP TO $1M / $3M

Covers up to $1,000,000 per incident and $3,000,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises.

> OCCURRENCE POLICY FORM

Covers incidents that happen during your policy period regardless of when the claims are reported.

> SEXUAL ABUSE / MOLESTATION COVERAGE – $25,000 / $100,000

Provides up to $25,000 per incident / $100,00 per policy period.

> PORTABLE COVERAGE

When you apply for individual coverage, the policy covers you for your professional services, including on and off the job, moonlighting and volunteering.