Professional Liability Insurance for Call Centers

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One of the most common misconceptions about Professional Liability or Errors and Omissions (E&O) Insurance that telemarketing professionals have, is that they don’t need the coverage as long as they have a Commercial General Liability policy. The truth is, Commercial General Liability does NOT provide coverage for errors, contract performance disputes, or any other professional liability issues that a call center or telemarketer might face.

Professional Liability Insurance for Call Centers is vital for your clients’ operations. This insurance will cover a case where they are sued by a customer or third-party for an error or omission they made. The following scenarios are examples of how a telemarketer or call center professional could face a lawsuit.

- Failed to achieve the telesales numbers their client expected.
– Delivered incomplete or poor telemarketing work.
– Made mistakes or errors in their work.
– Was negligent in their professional duties.

The type of Professional Liability available to a telemarketing firm or call center will also be dependent on various factors. For example, the type of product or service that the call center is providing will determine the type of risks they face. A call center that is giving information about and selling medical devices that patients depend on will have more significant exposures than a company that is selling home remodeling products, for instance. Other high exposure call centers could include:

- Alarm monitoring companies
– 911 call centers
– Crisis Centers
– Emergency Medical Answering Services
– Advice hotlines

It’s clear to see that Professional Liability for Call Centers is essential for your telemarketing clients. At ELM PL, we understand that no single profession is immune to the possibility of a lawsuit claiming damage or harm due to a negligent act, error or omission arising from the performance of an individual’s professional work. Our markets, both in the admitted and non-admitted markets, offer broad Professional Liability Insurance coverage for a wide variety of professionals. To learn more, please contact us at (888) 330-0696.

http://www.elmpl.com/2014/06/basics-professional-liability-insurance-call-centers/

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