At InsurePro, division of Gaston & Associates, we have the essential internal resources to provide responsive and innovative liability insurance for directors and officers, employment practices liability and other liability liability insurance products.

Our client focus is progressive companies with as few as 25 and as many as 5,000 or more employees.

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The current state of the insurance market is “hard”; a market that offers reduced coverages coupled with rising premiums and deductibles. If you are not working with an insurance agent or broker that has an adept understanding of the professional liability coverages needed to protect your business and it’s future, your company will lose on many fronts: lack of coverage, over-pricing, claims advocacy, and risk management to name a few.

Liability insurance for the errors, omissions, and other wrongful acts of directors and officers has been available since the early 1960’s. Since that time, the increase in public awareness and expectations, and the more litigious nature of society, have resulted in a virtual explosion of litigation against corporate managers as well as judicial analysis of the conduct and standards applicable to Directors & Officers. The result is that Directors & Officers are frequently being “second guessed” by the courts.

Most allegations involve decisions, acts, errors or omissions that may have lowered stock values, compromised competitive industry position, wasted corporate assets, or overlooked significant growth or investment opportunities. These can result in financial injury to stockholders, employees, investors, and any other third parties.