What is the difference between general liability and professional liability?

General liability covers bodily injury and property damage, the physical stuff that happens when a customer trips in your office.

What is professional liability or errors and omissions (E&O) insurance?

Pays when a service provider's mistake causes a client a financial loss. Like malpractice for non-medical professions.

What insurance do Lawrenceville healthcare professionals need?

Lawrenceville has a large healthcare and medical professional community concentrated around Gwinnett Medical Center.

What do claims-made limits mean on Georgia professional liability?

A claims-made policy only pays if both the incident and the claim are reported while the policy is active, and it uses a retroactive date; tail coverage extends the reporting window after cancellation.

How does claims-made coverage work for Georgia professional liability?

Professional liability (errors and omissions) insurance is claims-made, meaning coverage applies only when both the work was performed and the claim is reported.

Professional Liability FAQs

What specialty commercial classes does Philadelphia Insurance cover in Georgia?

All FAQs

Quick answer: Philadelphia Insurance Companies (PHLY) is backed by Tokio Marine Group and specializes in industry niches.

Philadelphia Insurance Companies writes commercial coverage for a set of industries that most standard carriers either exclude outright or price poorly: nonprofits, social service organizations, schools, faith communities, and a range of professional and management liability classes. In Georgia, this coverage is available through Olive Cover.

What makes Philadelphia Insurance different from a standard commercial carrier?

The carrier's appetite centers on mission-driven and relationship-based organizations. A standard commercial package policy is built around retail, hospitality, or light manufacturing risk profiles. Nonprofits and human services organizations carry a different mix of exposures, including volunteer management, program services liability, events, vulnerable populations, and board governance risk. Philadelphia's policy forms are structured with those exposures in mind rather than adapted from a general-use form.

What specialty classes does Philadelphia Insurance write for Georgia organizations?

The specialty classes Philadelphia writes in Georgia include:

Nonprofits and social service organizations: covering general liability, property, and the program services exposures that accompany direct client contact
Human services providers, including organizations that work with children, adults with disabilities, and at-risk populations, where general liability forms often carry exclusions that leave gaps
Schools and educational institutions (private schools, tutoring centers, and after-school programs) that need premises liability, sexual abuse and molestation coverage, and student-related exposures addressed in one policy
Religious organizations and houses of worship: liability for facilities, staff, volunteers, and community programming
Community groups and civic organizations (those with rotating membership, event-based activity, and limited administrative infrastructure)
Directors and officers (D&O) liability: protecting board members of nonprofits and private organizations from personal liability for decisions made in their governance role
Employment practices liability (EPL): covering claims of wrongful termination, discrimination, and harassment, which is a meaningful exposure for any organization with employees or contractors
Professional liability: errors and omissions coverage for service businesses, consultants, and licensed professionals whose advice or services can give rise to a claim

Why do Georgia nonprofit board members need D&O liability coverage?

The D&O and EPL combination under a management liability structure addresses a gap that matters for nonprofit leadership specifically. Board members of nonprofits frequently serve without a clear picture of their personal exposure to governance claims. A D&O policy puts a layer between board members and those claims.

For example, a Georgia nonprofit board member who votes in favor of a grant allocation that a donor later challenges as misuse of restricted funds could face a personal claim for breach of fiduciary duty. D&O coverage would respond to the defense costs and any resulting settlement, protecting the board member from out-of-pocket exposure.

Is a standard business owners policy enough for a Georgia nonprofit?

If your organization runs programs, manages volunteers, employs staff, or has a board of directors, the coverage picture is more layered than a standard business owners policy addresses. A coverage review can map your specific exposures to the right policy forms and limits for your situation.

For example, a Georgia organization that provides after-school tutoring to minors would need a policy addressing premises liability, sexual abuse and molestation coverage, and volunteer activity, none of which a standard BOP typically includes without a purpose-built nonprofit form or specific endorsements.

How do I find out if Philadelphia Insurance fits my Georgia organization?

Schedule a coverage review with Olive Cover to see whether Philadelphia Insurance is the right fit for your Georgia organization.