🧪 Specialty Lines Overview (E&O, D&O, EPLI, Cyber, Environmental)
Specialty lines address complex, high-severity, or emerging risks that standard commercial policies do not fully cover.
📘 What Are Specialty Lines?
Specialty lines are insurance products designed for unique exposures that require specialized underwriting, policy forms, and claims expertise. They are often manuscripted, negotiated, and tailored to specific industries or risk profiles.
📝 Errors & Omissions (E&O)
Protects professionals from claims alleging negligence, mistakes, or failure to perform services.
- Common buyers — Consultants, brokers, accountants, tech firms.
- Key issues — Duty to defend, prior acts, retro dates.
🏛️ Directors & Officers (D&O)
Protects corporate leadership from claims related to governance, fiduciary duty, and management decisions.
- Key components — Side A, Side B, Side C.
- Common claims — Shareholder suits, regulatory actions.
🧑⚖️ Employment Practices Liability (EPLI)
Covers claims alleging discrimination, harassment, wrongful termination, and other employment-related issues.
🖥️ Cyber Liability
Protects against data breaches, ransomware, business interruption, and privacy violations.
🌿 Environmental Liability
Covers pollution, remediation, and environmental damage exposures.
