Liability Insurance For HR Professionals

Specialty insurance solutions tailored to your unique needs.
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Empower your HR role with unmatched liability protection.

Elevate your HR practice with XINSURANCE, providing peace of mind through liability insurance solutions that go beyond your employer’s policy.

The Importance of Insurance for HR Professionals

Liability insurance is essential for HR professionals, serving as a protective barrier against the legal and financial risks associated with employee relations and regulatory compliance. As employment litigation rises in the U.S., managers and supervisors are increasingly held personally liable, underscoring the need for individual coverage. Even if your employer provides a business policy, you could still face personal lawsuits. XINSURANCE steps in to fight for you when things go wrong, bridging the gap in traditional coverage and offering true peace of mind. In a landscape where individual accountability is rigorously enforced, having XINSURANCE as your partner allows you to focus on your HR responsibilities with confidence and security.

Who We Can Help

  • HR Professionals
  • HR Firms
  • Independent HR Contractors
  • HR Consultants
  • And More
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Liability Coverage Solutions for HR Professionals

Commercial General Liability

Can cover bodily injuries, property damage, and advertising injury caused by the business operations. While HR professionals might not directly engage in physical activities, this coverage is essential in case a client or third party sustains an injury within the office space or during a business-related activity, offering a broader range of protection beyond professional advice.

Professional Liability

Can cover HR professionals against claims of negligence or harm that result from the advice or services they provide. It can help defend against claims of alleged mismanagement or incorrect guidance in matters like employment law, employee benefits, and workplace policies. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQs About Liability Insurance for HR Professionals

Can HR professionals be held personally liable for work-related decisions or advice?

Yes, HR professionals can be held personally liable for their work-related decisions or advice, especially in cases where their actions are alleged to have caused financial loss or harm to employees or third parties. This underscores the importance of individual liability coverage.

How much does liability insurance for HR professionals cost?

The cost of liability insurance for HR professionals varies widely based on factors like the size of the business, the specific roles and services provided, the level of coverage desired, claims history, and more. Contact us and tell us more about you and your insurance needs so we can give you a personalized quote.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Why HR Professionals Need Liability Insurance

HR professionals face unique risks that could lead to lawsuits. These risks include wage and hour lawsuits, employment form errors, misclassification of workers, hiring mistakes, blunders when firing people, and more. As your insurance partner, we will stand by your side when things go wrong and fight for what is right.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service