I am covered by my employer, do I need my own policy?

In today’s world, where lawsuits are increasingly common, financial awards can soar to extremely high levels, often exceeding typical insurance coverage limits. If you encounter a legal situation where the costs of defense and settlements surpass your employer’s insurance coverage, you might be personally responsible for covering 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.