13个风险面临专业服务公司以及如何帮助保护您的业务的风险[工具]

See how Travelers can help professional services firms manage 13 risks facing the industry, from cyber risks to severe weather events. Having the proper coverage from a trusted carrier can help businesses prepare for the unexpected, so they can focus on the future.

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The exposure to risk for professional services businesses continues to grow as the world becomes more and more dependent on technology and as the industry faces other emerging risks. Here are 13 professional services risks to look out for and the types of insurance coverage that can help protect your business:

1. Cyber Risks

It takes only one cyber event or data security breach to impair a professional service company’s financial results, or even potentially put them out of business. One successful hack, lost laptop or lost paper record can cause a data breach that impacts the privacy of customers, employees and others.

旅行者can help protect your professional service business before, during and after a breach.网络Risk coverage*可以保护网络攻击的毁灭性财务后果，这是一个至关重要的保障，该保护为数字法医调查，诉讼费用，监管辩护费用/罚款，危机管理费用，业务中断，网络勒索和改善提供覆盖解决方案。

2. Employee Injuries

Work-related accidents are an unfortunate reality in any industry. For example, musculoskeletal injuries can occur in slippery walkways on your property, or as a result of prolonged hours at workstations that may not facilitate optimal employee efficiency and comfort.

Significant medical bills may result from workplace accidents or injuries. Travelers’Workers Compensationinsurance can provide resources aimed at helping employees make a timely recovery and smooth transition when they return to work.

3. Employment Practices

在越来越大的诉讼环境中，如果员工认为他们在您的工作场所受到不公平对待，则有可能起诉您的专业服务公司。终止，晋升，招聘实践 - 都邀请审查，并可能增加被起诉的风险。围绕不法终止或歧视诉讼的潜在宣传可能会损害您的声誉和品牌。旅行者Employment Practices Liability insurance* can help protect your organization from the costs associated with an employment-related claim.

4. Equipment Failures

Equipment breakdown of heating, cooling or electrical components can disrupt operations and result in increased costs and lost profits. Often armed with digital sensors and microprocessors, much of this equipment’s sophisticated nature may render it more susceptible to failure and downtime.

Repair or replacement costs to get your operations back up and running can be covered throughpolicies that insure equipment failures. Travelers’Equipment Breakdown insurance可以帮助支付成本并加快正常运营的重返，以及像EnergyMax21^SMcan help cover your lost income caused by a shutdown.

5. Errors & Omissions

无论您的计划如何，专业服务表现错误的潜力都是非常真实的。您的企业的财务安全可能取决于您免受诉讼或主张的保护程度。旅行者杂项专业责任承保范围* offers protection for an array of emerging exposures, as well as for losses resulting from negligence or errors and omissions in the performance of professional services.

6.不断发展的劳动力动态

Adopting a culture of safety starts with recruiting and hiring, and continues through to onboarding and day-to-day employee engagement.

To build and maintain a safe and healthy workforce, start by leveraging preventive programs designed by insurers. For instance, as a customer, you could take advantage of the旅行者的员工优势^®platform, which can help you analyze working conditions in offices and facilities, as well as implement changes that emphasize ergonomic techniques to ensure people and equipment are interacting efficiently and safely.

7. Going Global

对于有国际运营的公司，如果发生这种情况并未得到国内政策的充分涵盖，则车祸或工作场所受伤可能会产生昂贵的后果。您的保险代表可能会帮助您快速检查外国的涵盖风险和政策限制，在这些风险和政策限制中，您可能会在其中帮助您确定任何潜在的差距。

国际敞口的保险计划旨在将外国承保范围等同于美国标准。延伸到100多个国家，旅行者Global Companion Plus+℠ coverage is an effective solution for international exposures and includes Property, General Liability, Commercial Auto and Workers Compensation policies, and more.

8. Large Losses

有常规要求，然后有可能产生超过主要责任政策限制的灾难性损失的事件。考虑销售代表的案例，该销售代表会导致公司车辆发生过错事故，从而造成严重伤害和严重的财产损失。

反对sider adding excess liability coverage that works with your primary insurance policies. Helping to insulate your organization from potentially crippling losses, Travelers’Umbrella and Excess Casualty coveragecan provide additional financial protection when a loss exceeds the limits of your primary general liability policy and other qualifying coverages.

9. Mobile Equipment

从工作到工作的最先进的测量设备可能具有超出规定的政策限制的价值。认为该关键职位财产的盗窃或损害可能会导致替换或维修的大量成本，这并非没有道理。

To appropriately cover property that is transported to different locations, the ability to schedule specific items and cover them for a stated or appraised value is important. WithInland Marine coveragefrom Travelers, that coverage can extend to unique works of art or antiques displayed in offices or common areas.

10. Third-Party Risks

Hiring subcontractors can help expand your business’s capacity, but what happens if they make a mistake?

Transferring risk to the appropriate party is an important aspect of your insurance strategy. While Travelers’General Liability insurance可以帮助您掩盖分包商的疏忽，您应该要求这些当事方承担自己的保险。除了确保Business Insurancefrom Travelers, consider discussing risk transfer strategies with your agent.

11. Vehicle Accidents

From company cars to vans and heavy trucks, your fleet can be both an asset and a liability. Serious vehicle accidents not only pose a threat to the value of your vehicles, but can also involve serious injury to pedestrians or occupants of other vehicles. And the risk is ever-present.

18IUCK新利官网 使您可以选择涵盖较小的挡泥板弯曲器的责任和财产损失金额。此外，旅行者的商业汽车保险范围可能会扩展到第三方产生的租用车辆和医疗费用。

12. Visitor Injuries

As clients and other visitors come and go, the odds of an on-site injury to those parties increase. Nowadays, litigation over these types of incidents is all too common and can lead to significant legal expenses as well as the possibility of verdicts that can carry devastatingly high damage awards.

In light of these possibilities,general liability coverage很关键。当有人声称您的业务造成人身伤害或财产损失时，它可以帮助保护您的业务免受法律辩护的费用和损害赔偿的费用。

13.天气和意外事件

Hurricanes along the Atlantic coast, California wildfires and powerful storms just about anywhere typify the perils that businesses face. Damages to buildings and computer systems can upend operations and constrict cash flow.

反对sider the right insurance that provides financial protection to enable your business to get back up and running as soon as possible after weather damage occurs. For offices and business equipment that are the backbone of your operations and comprise the bulk of your physical assets,commercial property insurancecan provide coverage for your business’s physical assets, and coverage helps keep revenue flowing when the unexpected happens.

Solutions for All Risks

For service-oriented companies, insurance needs can be complex. Find a trusted partner who understands the unique risks facing your business and offers comprehensive solutions to help you prevent losses and mitigate claims costs. With Travelers, you get an insurer that has your back.反对tact an agentfor all your business insurance needs.

^{*可通过旅行者债券和专业保险获得}