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Professional Liability

Mistakes Happen.

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At Fitts Agency, Inc., we understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it’s important for your business to have general liability coverage for property damage and bodily injury, Fitts Agency, Inc. recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) - Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a reprentative with Fitts Agency, Inc. today to prevent mistakes and errors from becoming major losses for your business.

 

Our Locations

Fitts Agency, Inc.

1806 6th Street
Tuscaloosa, AL 35401
Main office: 205-881-2556
Fax: 205-342-3467

Merchants & Farmers

301 Prairie Ave
Eutaw, AL 35462
Main office: 205-686-6279
Fax: 205-372-0852

Our Providers

Testimonials

The Fitts Agency, Inc. has been taking care of my personal and professional insurance needs for over 25 years. They have done an exceptional job to insure we are properly covered with all aspects of our complicated business insurance needs including property, automobile and equipment, bonding, life insurance, liability and specialty insurance. Their professional service follows through the claim process as well, demonstrated by the spring 2011 Tuscaloosa tornadoes and the damage we received from same. With their extensive help, excellent support staff and prompt response, we were able to get back in business with minimal wasted time. I highly recommend the Fitts Agency, Inc. for your insurance needs.

Thomas D. Jamison - President, J & P Construction Co., Inc.
We are writing this letter to document the performance of the Fitts Agency, Inc. Fitts Agency has been very instrumental in providing for all our business insurance needs. Since 2007, they have seen to our General Liability, Workman's compensation, Auto, Builder's Risk, Professional Liability and Umbrella policies. Their service is excellent; quick and accurate, and always with a friendly, helpful attitude.

Christopher L. Swain - VP Operations, Monumental Contracting Service, LLC
It's so refreshing to have an insurance agency that actually cares about their clients. I was with a "national brand" company for many years and never knew that I could have other great choices for my home and automobile insurance. These folks are great and I would recommend them to anyone wanting great rates and service.

Maggie Miller - Tuscaloosa, AL
Before the sun set on April 27 (after the devastating tornado), Forrest Fitts had a team on our roof surveying the damage. Two days later the debris was completely gone, the sheet rock was replaced - even the landscaping was repaired.

Mark and Liz Obradovich - Owners of Tuscaloosa Holiday Inn Express & Suites
When the April 27th tornado struck my business, the Fitts Agency made sure we were covered. Thank you Tim Donahue and your top-notch staff for doing just that. I could not think of a better team than the Fitts Agency, Watkins Construction Co., Inc. and FCCI Insurance to assist Spiller Furniture with disaster recovery.

Shane Spiller
We favor the Fitts Agency and any of their competitors would truly have an uphill battle to overcome prior to us ever making any notable changes. Specifically to the fact that although we will price multiple sources, we have learned that Tim and his team have been the most helpful and in the long run, equally competitive with anyone we have considered in the past 25+ years.

Mark Rettig - Vice President, AHR Metals, Inc.
Nobody could have taken care of me better than the Fitts Agency after the storm. I've been with the Fitts Agency for over twenty years - home, autos, and my business before I retired. I would never go anywhere else for my insurance.

Ernest Woodruff - Tuscaloosa, AL