With our advanced technologies and industry experts working behind the scenes, you get better market access than ever before, according to your risk appetite.
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Uniting people and technology to bring brokers access to knowledge, markets, and best-in-class insurance coverage for their clients’ needs.
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We understand the unique risks faced by licensed professionals in today's highly specialized and litigious environment.
Professional liability insurance is designed to protect professionals and their businesses from claims of negligence, errors, or omissions in the performance of professional services.
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Solutions for licensed professionals including healthcare providers, lawyers, accountants, architects, engineers and more
Flow Brokers have access to a wide range of professional liability insurance markets, including both standard and specialty carriers, to provide clients with multiple coverage options
Our Brokers handle start up and pre revenue risks to multinational companies
Underwriting Relationships. Flow’s Brokers have strong relationships with underwriting partners, facilitating efficient submission processing and negotiation of favorable terms and pricing
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Claims alleging that the professional failed to perform services with the level of skill and care expected within their profession, resulting in financial losses or harm to the client.
Claims arising from errors, mistakes, or oversights made by the professional in the course of providing professional services, which lead to financial losses or damages to the client.
Claims related to the failure of the professional to perform certain actions or provide specific advice that leads to financial losses or harm to the client.
Claims alleging that the professional breached their duty of care or fiduciary duty to the client, resulting in financial losses or damages.
Claims arising from false or misleading statements made by the professional in the course of providing professional services, which result in financial losses or harm to the client.
Our Professional liability insurance solutions can be tailored to cover legal defense costs, settlements, and judgments associated with covered claims. This necessary coverage helps protect professionals and their businesses from the financial consequences of lawsuits and claims alleging professional negligence or errors.
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We recognize the importance of protecting executives, directors, and managers from the diverse range of risks they face in today's business environment.
Our management liability insurance solutions offer comprehensive coverage tailored to the unique needs of public, private, and non-profit organizations. Whether you're a large publicly traded company or a local non-profit, our solutions will provide tailored protection against a wide range of management-related exposures.
Solutions for private, nonprofit and public sector companies
Underwriting Relationships. Flow’s brokers have strong relationships with underwriting partners, facilitating efficient submission processing and negotiation of favorable terms and pricing
Expertise for building large limit towers on complex risks
We have access to a wide range of Management Liability insurance markets, including both standard and specialty carriers, to provide clients with multiple coverage options
Diverse market access. Flow will access carrier capacity through multiple channels including API, portal, and traditional email submissions. This allows us to provide clients with multiple options quickly, efficiently and build limits where needed
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D&O insurance protects company directors and officers from claims alleging wrongful acts, errors, or omissions in the performance of their duties. Coverage includes legal defense costs, settlements, and judgments, helping to safeguard personal assets and preserve the reputation of corporate leaders and more.
EPLI coverage to protect businesses from claims of employment-related misconduct, including discrimination, harassment, wrongful termination, and retaliation. Policies cover legal defense costs, settlements, and damages arising from employee lawsuits, helping businesses mitigate the financial and reputational risks associated with employment disputes.
Fiduciary insurance provides protection for fiduciaries, such as trustees, administrators, and plan sponsors, against claims alleging breaches of fiduciary duties in the management of employee benefit plans, including pension and retirement plans. Coverage includes legal defense costs, settlements, and judgments, helping fiduciaries fulfill their obligations and safeguard plan assets.
Crime insurance coverage protects businesses against financial losses resulting from various types of fraudulent activities, including employee theft, forgery, computer fraud, and funds transfer fraud. Coverage is available for both internal and external fraud schemes, helping businesses recover from financial losses and maintain financial stability.
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We recognize the important role cyber liability insurance plays in protecting businesses from emerging threats. Our tailored solutions will meet the needs of our clients providing financial protection and critical resources for navigating any security incident they may face.
With deep industry knowledge and access to cutting-edge policies, we equip our partners with the ability to deal with attacks from malicious AI, data breaches, ransomware, and other digital risks, ensuring peace of mind in a connected world.
For select clients, a combination of cybersecurity services packaged with insurance solutions.
Regulatory coverage including violations of new and expanding state consumer privacy laws, biometric regulations, and international privacy law
Available on admitted and non-admitted paper
Expertise for handling SME business and building large limit towers for complex risks
Diverse market access. Flow will access carrier capacity through multiple channels including API, portal, and traditional email submissions. This allows us to provide clients with multiple options quickly, efficiently and build limits where needed
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Cover the costs associated with investigating and responding to data breaches, including notification expenses, credit monitoring services, and legal fees.
In the event of a security incident causing downtime, coverage reimburses lost revenue and extra expenses incurred during the interruption period, helping businesses quickly recover and resume operations.
Coverage for expenses related to ransom payments, cyber extortion demands, and crisis management services to mitigate the impact of ransomware and other extortion threats.
Protect your clients against third-party claims alleging negligence in safeguarding sensitive data, including legal defense costs and settlements.
Coverage is available to mitigate financial losses resulting from social engineering scams, including fraudulent wire transfers and deceptive impersonation schemes.
Coverage helps mitigate the financial impact of regulatory fines and penalties resulting from non-compliance with ever evolving data protection laws and regulations, as well as GDPR, HIPAA and other federal and international requirements.
Your Clients Count on You to Keep them Protected. Count on Us to Make it Easy.
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