Please review the User's Agreement of Terms and Conditions prior to using this eKo Specialty Insurance Services, Inc. website. All access to and use of this website is governed by these terms. The User's Agreement of Terms and Conditions can be reviewed by clicking here.
Using this website indicates that you have reviewed the website terms and agree to be bound by them. If you do not agree to these terms you should discontinue use of this website.
Please press the above EZQT button to be directed to our online EZ Quote for the following coverages:
Liability Insurance (EPLI)
Tanks (UST / AST)
Please Note, you must be an approved eKo Specialty producer with a login ID and password to access the EZQT site. To learn more, please feel free to contact us.
Becoming an eKo Specialty client is fast, easy and commitment free. To inquire or learn more, please call us at 805.373.6968 or use our contact form.
This information is designed to give you a quick overview of the coverage and how it works. Your policy is the contract that specifically and fully describes your coverage. Please feel free to call 805.373.6968 with any questions.
Professional liability insurance insures a person and/or an entity against claims made by third parties (clients, patients, customers, etc.), alleging negligence in the rendering of, or the failure to render, professional services. Professional services will be defined by the scope of practice of your license, certification or registration for professional services you render to clients or patients.
NOTE: The claims scenarios summarized are offered only as examples. The examples are not intended to establish any standards of care or to serve as legal advice appropriate for any particular factual situations. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy.
1. The Claimant was hospitalized for a serious infection in his mouth resulting in numbness to his cheek. The infection was traced to a cut he received while having his teeth cleaned. The dental hygienist received a lawsuit demanding for medical expenses along with pain and suffering.
Outcome - Lawsuit and settlement totaled $45,000.
2. A group of eight classmates reserved a three hour afternoon spa before their evening 15th year class reunion. Many flew in early planning to spend time reuniting at the spa. The morning of the spa appointment, the spa called the group to cancel their appointment because of a booking conflict. Many felt this was unacceptable and sued for the cost of their airfare to fly in early.
Outcome - Damages of $1200 were paid.
3. The Insured was a natural therapist who treated the Claimant with massage and myofascial stretching. At a consultation the Insured performed massage and stretches of the patient's lumbar, thoracic and neck areas. Following the treatment, the Claimant suffered a stroke.
Outcome - Claim settled for more than $300,000 with approximately $75,000 in legal defense costs incurred.
|Career Counselor||Case Worker/Manager||CPR Trainer|
|Dental Hygienist||Dietician||Executive Coach|
|Golf Fitness Trainer||Health & Safety Educator||Hypnotherapist|
|Massage Therapist||Medical Lab Technician||Mental Health Counselor|
|Music Therapist||Nutritionist||Occupational Therapist|
|Pastoral Counselor||Pharmacist||Pharmacy Assistant|
|Pilates Instructor||Radiologic Technologist||Social Worker|
|Speech Therapist||Wellness Counselor||Yoga Instructor|