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PRODUCTS

Our broad range of products and large company representation is supplemented with superior service that is second to none in our industry! PRS represents and works with over 25 specialty carriers on both an Admitted & Non-Admitted basis, including an online quote system for private companies.

PRS Brokers write a variety of professional and executive liability insurance, primarily including Directors & Officers Insurance, Employment Practices Liability, Lawyers Professional Liability, Public Entity Liability, Technology and Media Professional Liability, Representations and Warranties Liability and a large variety of Miscellaneous Professional Liability classes of business.

Directors & Officers Liability Insurance 

Directors & Officers Liability Insurance (D&O) provides coverage when a director or officer of a company commits a negligent act or omission, makes a misstatement or misleading statement and a libel suit is brought against the company as a result. Usually a large deductible is required. The policy provides coverage for directors' and officers' liability exposure if they are sued as individuals. Entity and Employment Practices Liability coverage can also be purchased. Coverage is also provided for the costs of defense such as legal fees and other court costs.

We can secure coverage for the following types of risks and classes of business:

  • Initial Public Offerings
  • Private Companies
  • Publicly Traded Companies
  • Nonprofit Organizations
  • Spin-offs & Divestitures
  • General Partnerships and LLC's
  • Mergers
  • Acquisitions
  • Biotechnology
  • Healthcare
  • High Technology
  • Telecommunications
Employment Practices Liability

Employment Practices Liability Insurance (EPLI) provides protection in the event of legal actions resulting from charges of harassment, discrimination, wrongful termination of employment, defamation, and invasion of privacy.

We can secure coverage for most classes of business, including:

  • Private Companies
  • Publicly Traded Companies
  • Healthcare
  • Law Firms
  • Auto Dealerships
  • Manufacturers
  • Service Providers
  • Financial Institutions
Lawyers Professional Liability

Lawyers Professional Liability covers monetary loss and expense of an insured attorney or law firm for legal liability in the rendering of professional services as defined by the policy. The policy also includes coverage for claims of unintended personal injury.

We can secure coverage for most types of firms, including:

  • Defense Firms
  • Intellectual Property Firms
  • Plaintiff Firms
  • Securities Firms
  • Firms with Loss History
Miscellaneous Professional Liability

Professional Liability Insurance provides coverage for specialists in various professional fields. Since basic liability policies do not protect against situations arising out of business or professional pursuits, individuals who hold themselves out to the general public as having greater than average expertise in particular areas purchase professional liability insurance.

We can secure coverage for most classes of business, including:

  • Advertisers
  • Advertising Agencies
  • Authors/Book Publishers
  • Appraisers
  • Architects & Engineers
  • Auctioneers
  • Billing Services
  • Business Services
  • Cemeteries and Memorial Parks
  • Claims Adjusters/Appraisers
  • Collection Agencies
  • Consultants
  • Educators Professional
  • Employment/Executive Search
  • Environmental Consultants
  • Financial Services
  • Fine Art Appraisers
  • Funeral Homes
  • Insurance Company Inspection
  • Insurance Agents E & O
  • Interior Design Consultants
  • Investment Advisors E&O
  • Management Consultants
  • Messenger Services
  • Miscellaneous Professional
  • Mutual Funds E&O
  • Multimedia Companies
  • Newspaper Publishers
  • Film/Program Producers
  • Magazine Publishers
  • Personal Appearance/Celebrities
  • Radio Broadcasters
  • Television Broadcasters
  • Mutual Insurance Companies
  • Notaries
  • Property Managers E&O
  • Public Relations
  • Real Estate E&O
  • Secretarial Services
  • Telemarketing Services
  • Telephone Answering Services
  • Temporary Employment Agencies
  • Title Abstractors
  • Translators/Interpreters
  • Travel Agencies
  • Trust Department
Public Entity Liability

Public Entity Liability covers public officials and entities with which they are associated against allegations of mismanagement and improper administration of funds; improper granting and denying of franchises, permits and licenses; failure to protect public trust; employee discrimination; and improper training or supervision of employees.

We can secure coverage for following types of public entities:

  • Educational Entity Professional
  • Special Districts
  • Government Entities
    (Water and Sewage, Cities, etc.)
  • Transit Authorities
  • Law Enforcement Professional
  • Public Officials
  • Housing Authorities
Technology Errors & Omissions Liability

Technology Errors and omissions insurance protects technology businesses against potentially catastrophic litigation involving professional negligence or charges of failing to perform professional duties. Errors and Omissions coverage can make the difference between the survival or failure of a business when faced with these types of legal threats.

We can secure coverage for most types of technology businesses, including:

  • Communications Consultants
  • Computer Consultants
  • Computer Services
  • Data Processing/Data Entry
  • Software Sales/Design