Do I need my own policy if I am covered by my employer?

In today’s litigious environment, malpractice awards can reach astronomical heights, potentially surpassing standard coverage limits. If you find yourself facing a lawsuit where legal expenses and settlements exceed your employer’s insurance limits, you could be personally liable for the difference. This is where American Professional Agency’s robust coverage becomes invaluable. Further, most employer policies do not cover legal defense expense reimbursement for Board Investigations/Complaints.