Hartford Steam Boiler A Munich Re company

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Specialty Liability Insurance

Insurance for small employers and professional service providers

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    Protection for when an employee, contractor, or customer thinks you’ve done them wrong

    With social inflation driving the frequency and severity of large legal verdicts and settlements, small business employers and professional service providers are at greater risk of lawsuits than ever before. HSB understands the risks they face and can help protect them from the financial strain of professional liability and employment practices lawsuits, with endorsements available through one of the many partner carriers HSB reinsures. If a business suffers a traumatic work-related crisis incident, HSB also has the resources to help those involved recover.

    Why trust HSB for specialty liability insurance

    $27-$54K
    On average
    Employment practices claims can be a financial strain on small businesses, costing an average of $27K to 54K per case.
    48%
    Of businesses*
    Many businesses experience workplace violence. HSB can help if this happens to your clients.
    15
    Years
    HSB has been protecting employers and service providers from lawsuits for nearly 15 years.
    A++
    Rated
    HSB is rated A++ (Superior) by A.M. Best Company, the largest credit rating agency in the world specializing in the insurance industry.
    *Source: National Institute for Occupational Safety and Health

    Miscellaneous professional liability insurance

    Designed to cover settlement and defense costs for professional service providers who are sued due to actual or alleged negligence, errors and omissions, or misleading statements in performing or failing to perform professional services for a fee. 
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    Employment Practices Liability Plus insurance

    Since general liability insurance doesn’t cover the types of injuries and damages typically alleged in employment-related claims, small business owners can benefit from this insurance to help cover expenses for these types of claims brought by employees, independent contractors, or volunteers.
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    Crisis care insurance

    When someone threatens or commits physical violence with a gun at a workplace, during a company event, or directed at an employee, the entire business can be affected. HSB Crisis Care helps those businesses and the people involved gain access to the resources they need to recover and heal.
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    Protect your clients from specialty liability risks

    With specialty liability insurance solutions like these, your business clients can face the future with confidence. As they go about their business and employment practices, they’ll have the protection and resources they need to deal with actual and alleged claims that can devastate their company.  
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