In the universe of insurance, there is a unique and very important form of Hybrid insurance protection known commonly as Professional Liability, or in some circles as Errors & Omissions Insurance (E. & O.). Basically, this insurance is designed to protect the entity, whether an individual, partnership, corporation, or some form of "limited liability" organization, from decisions made, or NOT made, by those in a position of some sort of authority or possessing an accepted level of expertise and/or professional designation.

Examples of persons and organization include, but are not limited to:

Lawyers	Doctors
Insurance Agents/Brokers	Real Estate agents/Brokers
Public Officials	Engineers/Architects
Electronic Data Processors	Printers/Publishers
Actuaries/Accountants	Credit Bureaus
Employment Agencies	Bankers/Mortgage Brokers
Property Managers	Private Investigators/Police
Third Party Administrators	Consultants

...and the list goes on! In this day and age of excessive litigation and large rewards, the need for this type of insurance has grown more in the last 10 years than all of the previous years of this century! As we enter the Information age and the many capabilities the Internet has to offer, we are also opening the way for more creative litigation to deal with!

Unlike certain elements that want to curtail the benefits of progress, we risk management/insurance professionals at Associated Insurance Service are dedicated to exploring new and unique paths with which to deal with the ever-expanding business environment that requires solutions to these perils.