Errors and Omissions (E&O) Insurance
Protecting Your Business from the Unexpected
Professional liability insurance, often referred to as E&O insurance, is a critical part of any solid small business insurance policy. This coverage safeguards your business from the financial fallout of alleged professional mistakes, giving you the peace of mind to focus on your work.
What we cover
Mistakes happen, and sometimes services don’t go as planned. That’s where Errors and Omissions (E&O) insurance steps in. E&O insurance protects your business from claims of negligence, errors, or omissions made while providing professional services—even when those claims are without merit. Whether it’s a project that didn’t meet a client’s expectations or a service that missed the mark, we’ve got you covered. E&O insurance helps take care of legal fees, settlements, or damages owed, so you can breathe easy knowing you’re protected.
Medical Malpractice Insurance
Designed for healthcare professionals—doctors, nurses, counselors, and therapists—this coverage protects against claims of negligence in medical services.
Media Liability Insurance:
Tailored for media and advertising pros, this policy shields you from legal claims arising from errors, omissions, or copyright issues in your work.
Why The Ford Agency
At Ford Insurance, we make it simple. With customized plans designed to fit your specific business needs, we ensure you get the right coverage without the hassle. Our focus is to keep your business protected, no matter what industry you’re in. You’ll be backed by a team that understands the risks you face and knows how to minimize them.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
