As standard policy, many companies demand both General Liability and Professional Liability Insurance from their contractors and consultants. To simplify the insurance buying process Hays is offering ACS members a Combination Professional Liability/General Liability Policy. This combination policy provides coverage for the following:

Bodily Injury

This will cover claims if third parties sustain an injury from your professional services. For example, your client slips and falls in your office.

Property Damage

This will cover the costs of damage to a third party’s property caused by you or your employee.

Personal & Advertising Injury

This protects you should someone claim that your business caused them damage that isn’t physical. These can arise from claims alleging: libel, slander, disparagement, invasion of privacy, copyright infringement, and misappropriation of advertising ideas.

Actions of Employees

Coverage is extended to employees and temporary workers if they are acting on behalf of the insured.

Defense Costs

Defense expenses are covered up to the policy limit and minus any deductible.

Medical Expenses

Pays the applicable medical costs if an individual is injured and needs medical treatment due to an accident on your premises.

PLEASE NOTE: This is only a partial description of the policy. Policy coverages and benefits are subject to the terms, conditions and exclusions contained in the policy. If any conflict exists between these highlights and the policy, the policy will govern. For complete provisions, including exclusions, please refer to the policy itself. Reference made to any premiums above do not include policy fee or state tax.