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Business & Professional Liability

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Protect Your Reputation, Assets, and Leadership

In today’s complex business environment, liability exposures are everywhere. Whether it’s a professional error, an employment-related complaint, or a decision made by leadership, the financial and reputational risks can be serious.

At Dostal & Kirk, we help protect your business with proactive, tailored business and professional liability insurance solutions built for real-world challenges and customized to how you operate.

A Process Built for Clarity, Not Confusion

Initial Fit Assessment

We begin with a strategic discussion about your goals, operations, and expectations. We’re upfront about how we work, so you know exactly what to expect.

Discovery Phase

We dig into your current coverage, reviewing existing policies, collecting documents, and, for businesses, visiting your site to understand how you operate and where your exposures lie.

Presentation & Education

We don’t just hand you a quote. We walk you through every option, explaining where you’re covered, where you’re exposed, and how we’re solving each gap.

Team-Based Service

Once you’re a client, you’ll be supported by a full team—account managers, claims advocates, and coverage specialists—so there’s always someone to support you, no matter the issue.

Claims Advocacy

We take an active role in managing commercial claims, guiding you through the process, and advising you when to file (and when not to). Our goal is to protect your pricing power and long-term carrier relationships.

Our Liability Coverage Solutions for Full Business Protection

Professional Liability

Professional Liability

Also known as Errors & Omissions (E&O), this coverage protects professionals who provide services or advice—such as consultants, engineers, architects, or real estate professionals. One misstep or miscommunication could lead to a costly lawsuit. We help ensure you’re protected before a mistake becomes a major loss.

Employment Practices Liability (EPLI)

Employment Practices Liability (EPLI)

From wrongful termination claims to harassment or discrimination lawsuits, employment-related claims are on the rise. EPLI helps cover legal defense costs and settlements, so your company can respond quickly and confidently without crippling your budget.

Medical Malpractice

Medical Malpractice

For physicians, specialists, and healthcare providers, the right medical malpractice insurance is essential. We help healthcare professionals navigate policy structures, retroactive dates, tail coverage, and more—to ensure complete, cost-effective protection.

Directors & Officers Liability (D&O)

Directors & Officers Liability (D&O)

Whether you're a non-profit board or a growing for-profit company, your leaders are personally exposed to risk from the decisions they make. D&O insurance protects directors and officers from lawsuits tied to mismanagement, fiduciary duty breaches, or regulatory issues.

Fiduciary Liability

Fiduciary Liability

If your business sponsors an employee benefit plan, you have fiduciary responsibilities. This coverage protects you from legal consequences tied to plan administration errors, such as mismanagement of 401(k) or pension plans.

We Do More Than Just Cover Your Assets

Every business is different. We work with physicians, nonprofit executives, or business owners managing a team of employees. Your risks are unique, and your liability coverage should be, too.

Let’s have a conversation about protecting what matters most: your name, your business, and your future. Contact Dostal & Kirk today to schedule your liability coverage review.

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