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First Casualty Insurance Group, Inc.
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 Management Liability Insurance 

General Liability insurance does not protect your business against claims of professional negligence, or for failure to perform your professional duties. For this type of coverage, the business will need a separate Professional Liability policy.

Professional Liability Insurance protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.

The policy normally pays for any resulting judgments against you, including court costs, up to the coverage limits on your policy.

Employment Practices Liability - Employment practices liability coverage protects an employer against an employee's claims such as:

  • Wrongful Termination
  • Sexual or Workplace Harassment
  • Wrongful Discipline
  • Age Discrimination
  • Violation of Employment Discrimination Laws
  • Violation of Americans with Disabilities Act
  • Wrongful Failure to Employ or Promote
  • Wrongful Deprivation of a Career Opportunity
  • Breach of Employment Contract
  • Employment Related Misrepresentation
  • Failure to Adopt Adequate Workplace Employment Policies & Procedures
  • Illegal Retaliatory Treatment
  • Invasion of Privacy
  • Negligent Evaluation
  • Employment Related Wrongful Infliction of Emotional Distress

The purpose of this insurance is to protect the corporation, directors, officers and employees from alleged employment-related wrongful acts. Some features to having this policy are Coverage for front/back pay, attorneys' fees and compensatory damages, for punitive damages where insurable by law, for actual or alleged retaliatory treatment, varying retention's for class action suits or other claims, for emotional distress or mental anguish, no purposeful or intentional acts exclusion or reductions in force or mass layoffs exclusion.*

*Coverage varies from company to company.

Directors & Officers Liability

Directors and officers liability coverage protects directors and officers against claims alleging negligence, errors and omissions, misstatements, misleading statements and misrepresentations.

Most organizations have a general liability policy that protects its directors and officers against negligent acts that result in bodily injury or property damage. However, general liability does not protect against alleged wrongful acts or omissions, including breach of duty, which do not result in bodily injury.

Directors and officers coverage protects your executives from potential lawsuits resulting from key decisions or management practices-lawsuits that may target their personal assets.

A comprehensive Directors & Officers liability policy can provide the following:

Insured's include

  • Directors
  • Officers
  • Committee Members
  • Volunteers
  • Trustees or Employees
  • Comprehensive D&O Insurance can:
  • Defend Prior Acts
  • Defend Non-Monetary Damages
  • Provide Duty to Defend Coverage
  • Defend Libel, Slander & Defamation of Character
  • Defend Discrimination, Sexual Harassment and Wrongful Discharge

Crime coverage can extend to those who may have access to your companies funds:

  • Employee Dishonesty
  • Money & Securities
  • Forgery & Depository
Pollution / Environmental Liability

Environmental coverage generally falls into two categories. Errors and omissions coverage, also known as professional liability, protects a professional who mistakenly designs a facility that causes pollution in some way. Pollution incident coverage protects professionals on the job in case they cause a pollution incident by perhaps backing into a sewage pipe.

Policies for environmental consultants can feature broad coverage specifically tailored to the specific needs of a professional in the environmental field. Coverage may include pollution incident and asbestos coverage as well as retroactive coverage for eligible firms.

Have questions or concerns about your insurance?

We can help.
Call us at 1-800-352-3416
uick quote, call us today!

We currently provide insurance services in:

  • North Carolina
  • South Carolina
  • Virginia
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    Disclaimer: Please note that completion of the following request for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting this request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company. First Casualty Insurance Group, Inc. is licensed in the states of North Carolina, South Carolina and Virginia. No solicitation of insurance is being made outside of this these states.

    Statements on this web site as to policies and coverage provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, email, voicemail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at (800) 352-3416 to discuss specific coverage details and your insurance needs. All coverage is subject to terms, conditions and, exclusions of the actual policy issued. Not all policies or coverage is available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions; you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those site.

    190-A Turner Street  |  Southern Pines, NC 28387  |  1-800-352-3416
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