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732.842.0444

680 Branch Avenue - Little Silver NJ 07739

Errors & Omissions (E&O)/Directors & Officers (D&O)

This is specialized coverage for businesses that have an exposure to professional liability.  Examples of occupations that generally need E&O coverage:

Physicians, lawyers, architects, engineers, consultants, accountants, etc.

Nearly every general liability policy will exclude coverage for E&O claims.  If your firm faces the possibility of a claim for monetary damages due to negligence or perceived negligence in the performance of your duties, you may need professional liability coverage.

This coverage is written on a claims-made basis and typically has defense coverage inside the limit.  Higher limits are often needed because an umbrella will not go over this specialized coverage and defense costs will reduce the available limit for claim payment.  Defense costs can be substantial in these cases.

D&O coverage is essentially E&O coverage for the directors and officers of an organization.  It is most prevalent in publicly traded companies but is becoming more important to even non-profit and privately held companies.

McCue Captains is an independent insurance agency established in 1927.  We service clients primarily in New Jersey, but we are licensed in many other states as well.  Give us a call at 732-842-0444 to discuss your current needs or fill out the short contact information below and we will contact you.

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680 Branch Avenue
Little Silver NJ 07739
(732) 842-0444(p) - (732) 576-1865(F)
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