Professional Liability Insurance

Just one minor mistake can result in a major loss.

Professional Liability

With ever-changing government regulations and high courtroom settlements, companies face increasing financial exposure. Avalon’s Combined Transit Liability (CTL) Program protects your business assets and provides legal defense when you need it most. Our base CTL program includes:

Errors & Omissions

Covers liability from a financial loss sustained by your customer as a result of your negligent act, error or omission. An “error” what you did that caused or contributed to the loss. An “omission” is what you left out or forgot to do that caused or contributed to the loss.

Cargo Legal Liability

Coverage for physical loss or damage to cargo while shipped under your house bill of lading, house air waybill, freight receipt or domestic bill of lading. For property brokers, coverage is offered on a contingent basis.

Policies may also be tailored with multiple coverage options:

  • Regulatory Defense
  • Special Contracts Coverage
  • First Dollar Defense
  • Worldwide Defense
  • Contingent Cargo Liability
  • Third-Party Liability
  • Motor Truck Cargo Legal Liability
  • Regulatory Defense
  • Warehouse Legal Liability
  • Prior Acts Coverage
  • Pollution Cleanup
  • Reduced Deductible
  • Identity Fraud
  • Dishonest Acts

Download Applications
Professional Liability
Professional Liability Application  Word  PDF
Regulatory Defense Contract Application  Word  PDF
Special Contract Application  Word  PDF

New Enhancements

With cargo thefts on the rise it is imperative to know where your shipments are, especially when arranging for high value and sensitive loads. Today there are many products and services available to provide tracking and report deviations from intended routes. To encourage you to make use of available technologies and help defray the cost of doing so, we are introducing a new split deductible feature. If tracking devices are properly utilized and the appropriate action is promptly taken when alarms occur, your deductible will be reduced by half.
Identity fraud takes many forms and can be perpetrated by strangers, long time employees or business contacts. When your identity is compromised, it will inevitably require a great deal of time and effort to set the record straight and protect your good name. We are pleased to announce a new coverage enhancement that will provide reimbursement for expenses necessary to restore your good name and also for attorney fees to defend against suits arising from the fraud.
The basic contingent cargo endorsement has always excluded dishonest acts committed by you, your employees, and agents. In the past, many transportation brokers have opted to purchase the dishonest acts of carriers coverage extension to add coverage back in cases where a carrier acts dishonestly, holds a load hostage, or simply steals it. While this coverage is still available, we now offer a second more comprehensive option to extend your contingent cargo coverage. This new offering has been created to address the ever growing problem of theft by impersonation. It will extend coverage to fraudulent pickups where you or any authorized party downstream from you such as a carrier or driver is impersonated to gain access to the load. This extension specifically addresses the fact that the party that the load is actually entrusted to will likely not be a legitimate carrier and the intended contract for carriage was therefore not begun.
Receive more information about Avalon’s Combined Transit Liability program