Speciality Products
At Howard Agency Insurance, we offer specialty products tailored to your industry's unique coverage needs. Call us at 512-593-8321.
Specialty Lines Risk
Professional E&O Liability
Professional E&O Liability protects against errors & omissions that may occur to cover economic losses suffered by a 3rd party. Ex: accountants, architects, engineers, financial advisors, insurance agents, lawyers, real estate brokers, software & web.
Directors & Officers Liability (D&O)
Directors and Officers can be covered along with the entity itself against civil lawsuits, criminal and regulatory investigations and trials
Employment Practices Liability Ins.
(EPLI) is the fastest growing claims sector of any commercial lines in the market. EPLI encompasses wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and W&H law violations.
Cyber Liability
Important for companies with a computer network or digitally handle confidential information, especially those that collect and transact personally identifiable information. Most notably covers liability for a data breach.
Security liability
Security liability is unauthorized access or use of a vendor, partner or independent contractor network. Theft of mobile computing equipment like smart phones and laptops, can open front & back doors into company data and allow data theft.
Privacy liability
Privacy liability is the violation of privacy laws or regulations that permit individuals to control the collection, access, transmission, use and accuracy of their personally identifiable medical and financial information.
Intellectual Property (Infringement & Abatement)
Intellectual Property (Infringement & Abatement) insurance protects companies for copyright, trademark or patent infringement or abatement claims. Infringement protects either an inventor or a 3rd party from the risks of inadvertently infringing upon other intellectual property. Abatement provides reimbursement for costs related to pursuing an infringement.
Environmental & Pollution Liability
Environmental & Pollution Liability to reduce costs when toxic abatement is required for asbestos, lead, leakage, spills & container clean-up. Policies can cover bodily injury, property damage, contract damages, environmental clean-up costs, legal defense expenses, business interruption expense and remediation cost overruns.
International Liability
Your core business process may include overseas product delivery, manufacture and sales. You may have developed international partnerships at both the production and delivery ends of your business.
Bonds
Bonds are often required and they provide your clients with an extra vote of confidence about your services. We help negotiate the terms and structure to get the most effective coverage.
