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We run a small, yet growing bike tour company in SF which presents a unique and challenging insurance need. Having previously worked with large insurance agency (Sweet and Baker, and with a handful of other brokers), we can say that Barbary Insurance and specifically Jerry, is the best in the business. Jerry was the rare broker who took time to listen to our needs, understand our business, and sincerely find us the best policy around. I can't stress enough Jerry's extensive experience, dedication and passion to help us-- we are so thankful. Jerry cut our policy premium in HALF (saved us over $3K) when our last insurer said that we had the lowest rates around and simply wanted to renew our policy. It should also be noted that we still have the same insurance company(!) and coverage! The broker makes all the difference. Jerry and Barbary will have our business for years to come. Bottom line: Barbary Coast Insurance has the experience and integrity to understand your needs and what your insurance should cost. Because of the complexity of our needs, Jerry shopped around aggressively and took the extra initiative to find us the best policy when no one one else would or could (and we approached EVERY top rated insurance broker on YELP). Thanks so much Jerry and Barbary!

Nicholas H.

Professional Liability in San Francisco CA & Oakland CA

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 Barbary Insurance Brokerage, 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, Barbary Insurance Brokerage 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 Barbary Insurance Brokerage today to prevent mistakes and errors from becoming major losses for your business.