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Professional Liability

Mistakes Happen

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At Black & Associates Insurance Inc., we understand that mistakes happen. That is why we are committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it is important for your business to have general liability coverage for property damage and bodily injury, Black & Associates Insurance Inc. recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) - Having financial protection for your business’ Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative with Black & Associates Insurance Inc. today to prevent mistakes and errors from becoming major losses for your business.

 

Our Locations

*Black & Associates Insurance

7407 N Division, Suite D
Spokane, WA 99208
Main office: 509-368-7084
Toll free: 800-576-0075
Fax: 509-464-0747

Belfair Office

P.O. Box 3404
Belfair, WA 98528
Main office: 509-368-7084
Toll free: 800-576-0075

Our Providers

Testimonials

We needed assistance with our homeowners coverage for a loss reported in 2005. Our claim was settled promptly with courteous and understanding treatment. The staff is always friendly and willing to answer any questions we may have.
Mrs. Jerry Ochse; Spokane, WA
Your customer service is the Best! It's one-on-one, personal and a refreshing departure from the bank of representatives which frequently handle the business of any one customer. Keep it up!
Jane Yurtis; Ione, WA
We are so happy to have made the move to Black & Associates for car insurance and homeowners insurance. We saved a lot and gained better coverage and customer service by far. It was so quick and easy to transfer. After spending 30+ years with Farmers we will never go back. Black & Associates is #1 in our family.
Mr. & Mrs. G. McCallum; Spokane, WA
Black & Associates Insurance has been giving us GREAT customer service for many years for our autos, home and recreational vehicle. This year they saved us over $1000 by re-writing our auto policy to another company!!
Daryl and Connie Squires; Spokane, WA
We recommend you call Black & Associates Insurance for an insurance quote for your personal lines or commercial policy. We are saving $1070 this year on our new auto policy!! We have really appreciated their excellent customer service.
Vickie and Roy Bemis ; Spokane, WA
For $91 more dollars per six months Black & Associates doubled our liability and added Uninsured and PIP to our policy by re-writing it to another company!! In the two years they have insured us we have been pleased with their service and good advice.
Micah and Amanda Hall; Spokane, WA
During a recent conversation regarding personal liability insurance coverage, I could hardly believe anyone with a home, vehicle, and a job would not carry an umbrella liability policy. With those assets available such persons are a ripe target for a lawsuit even if they were not at fault in an accident.
Frank Reichert; Spokane, WA
Over the years, Black & Associates Insurance, Inc. has given us excellent prices on our auto and home insurance. They have provided us with excellent service since November 1991, when they first wrote our policies. Thanks!
Joseph Bollman; Spokane, WA
Black & Associates was recommended to me by an existing customer and I am so glad I listened! They have been really great and I trust Black & Associates completely.
Judy Nelson; Deer Park, WA
We needed assistance with our homeowners coverage for a loss reported in 2005—Our claim was settled promptly with courteous and understanding treatment. The staff is always friendly and willing to answer any questions we may have.
Mrs. Jerry Ochse; Spokane, WA
James B. Black & Associates have insured my properties, vehicles and boat for 9 years. Having everything under one umbrella and receiving guidance for all is much appreciated and gives me peace of mind.
Virginia Giesa; Spokane, WA
Thanks for your helpful advice and understanding while I was having some insurance problems with my older son a while ago.
Michael Lemberger, M.D.; Spokane, WA
Independent Services Corp, a home care agency for the elderly and disabled of all ages, has had the privilege of doing business with Black & Associates since April of 2013. The agency operates with a high level of dedication and a clear level of respectful integrity. The process of finding the amount of coverage I needed was made seamless by the staff at Black & Associates and my premiums are lower than I have had before with other insurance companies yet more detailed coverage.
Mary E. Hanna , Executive Director, Owner
I am writing to thank you for your prompt, courteous and detail-attentive assistance to Floyd and me in our recent insurance changes. Not only have you completed the necessary paperwork in a timely manner, you have been personally considerate of details Floyd managed and I now need to learn, since he died earlier this month. Thank you for making this transition a positive learning experience for me. Thank you for alerting me to the need for insuring our stored household items until the new home is finished and ready for occupancy. You have taken your time to personally evaluate my insurance needs and given me sound advice, without making me feel inadequate for not having the knowledge and experience Floyd had. It has been extremely helpful to communicate personally with you, rather than struggle through the maze of modern-day telephone antics! Therefore, as this process continues to unfold, I look forward to further communications and dealings with you.
Karen Mattern; Spokane, WA
Your customer service is the Best! It’s one-on-one, personal, and a refreshing departure from the “bank” of representatives which frequently handle the business of any one customer. Keep it up!
Jane Yurtis; Ione, WA
We have been your clients since the early 80’s and even though we relocated from Spokane to Sequim 18 years ago, we have remained your clients. I attribute this to the simple fact that you have been so very responsive to our needs. Whenever we have required help with our insurance, you have been only a phone call away and more than willing to assist us. In addition, as our children have grown into adults, you have been there for them as well. We appreciate your attention to our changing needs and intend to continue as your clients.
Jeanette & Roger Easling; Sequim, WA
Black & Associates is extremely easy to work with. They have always gone out of their way for us. We have cars, home and trailer with them. I would highly recommend them!
John and Kathy Van Houdt; Mead, WA
We are very pleased with Black & Associates. The whole office is just wonderful.
Megan and Justin Valentine; Liberty Lake, WA
Thanks so much for your hard work, promptness and professionalism. I can never say enough great things about you!
Jerry and Marian Fox, Northwest Commercial Kitchen Repair LLC; Spokane, WA
We are so grateful for your help in setting up our new insurance policy. James Black Insurance saved us 61.5% over our old policy. Judy did all of the research in order to make sure we had the proper coverage for our specific needs. In addition, Judy responded in a timely manner to all of my questions, and went above and beyond what was expected. I look forward to doing business with Black and Associates for many years to come.
David Bernhardt, President, Construction by Timberwolf ; Spokane Valley, WA
The process of finding the amount of coverage I needed was made seamless by the staff at Black
Mary Hanna