Professional Lines

SPECIALIZED SUPPORT FOR PROFESSIONAL LIABILITY RISKS.

Professional liability risks require careful review of the insured’s services, exposures, and coverage needs. OGA works with agents to understand the submission, provide practical underwriting guidance, and explore available market options for eligible professional lines risks.

Tips For Submission From Your Underwriter

Please include a detailed description of the applicant’s operations.

Please include the applicant’s annual revenue.

Most industry sectors have specific applications required for quoting so we encourage you to reach out to your underwriter if you need the appropriate application(s).

For D&O submissions, please include a copy of the applicant’s current financials (n/a for public companies).

Additional Target Classes

Frequently Asked Questions

What is Management Liability?

Coverage designed to protect directors, officers, employees, and organizations from exposures tied to management decisions. Common coverages include D&O, EPL, Fiduciary, Crime, and Kidnap & Ransom. Available as standalone or bundled policies, and essential for businesses of any size.

What is Employment Practices Liability (EPL)?

Protects against employment-related claims like wrongful termination, discrimination, harassment, privacy breaches, and retaliation. Covers legal costs, judgments, and settlements not covered by general liability. Recommended for businesses with 3+ employees.

Can you combine Professional Liability (PL) and General Liability (GL)?

Yes, for select professions (consultants, tech, architects, engineers, construction managers, healthcare, and social services). Available as a single policy—check with your underwriter for eligibility.