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D&O or Director's and Officer's Liability is a specific form of Professional Liability coverage designed to protect the Board and Individual Officers of both for-profit and non-profit enterprises. The purpose of the coverage is to protect against claims of mismanagement of the resources that are under the control of the management as well as the impact on shareholders and stakeholders in the business or community. D&O coverage is often combined with EPLI (or Employment Practices Liability) and care must be taken to make sure that corporate or organization bylaws are customized to trigger indemnification of officers.

Employment Practices Liability is commonly referred to as EPLI and is essential protection for any employer that could be exposed to claims by current or former employees. The coverage provides defense and pays claims in accordance with the policy terms for allegations of age, racial, gender, sexual discrimination or bias in the workplace as well as a wide range of allegations of hostile workplace issues that impact employer - employee relations. Certain policies extend coverage to claims by business visitors like vendors or delivery services.

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Professional Liability coverage is one of the most critical forms of protection for many with special training or skills. Some professions (like medical professionals) are carefully trained, licensed and monitored and others acquire expertise in areas as diverse as international trade to pest control. Tell us a little bit about your special skills and chances are we will have a responsive market with specialized liability protection for you

Mitchell Insurance has dozens of top Workers' Comp markets including some geared toward the most challenging circumstances. Tell us about your particular needs and one of our five Certified Workers' Compensation Advisors on staff will help you make the best choice.