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Financial planning establishments use their financial planning expertise to assist businesses or individuals with their financial concerns. Services provided by these businesses may include assistance with personal cash flow management, education payment planning, retirement planning, investment planning, tax planning and business succession planning.

General Liability Insurance for Financial Planners – Visitors are usually restricted to the lobby and offices of financial planners. Visitor areas should be clean and organized in order to prevent slips and fall. All furniture should be stable in order to prevent tip over hazards. A personal/advertising injury exposure may result from the release of confidential information to unauthorized persons resulting in breach of privacy actions. Procedures should be in place to ensure that paper and electronic files are secure.

Professional Liability Insurance for Financial Planners – Financial planners should be careful not to give faulty or insufficient advice to clients regarding investments that are not suitable for the clients needs. Careful thought and consideration should also be used when financial planners are responsible for making major financial decisions for a client.

Workers’ Compensation Insurance for Financial Planners – The workers’ compensation risks for financial planners are those that are typical of most offices. Employees may be injured as a result of slips/trips/falls, electrical shocks, shelving collapse, back injuries, or repetitive motion injuries.

Business Auto Insurance for Financial Planners – Financial planners may drive to meet their clients, which will increase business auto risks. Other business auto risks include employees who drive to run errands for the office. The frequency and radius of travel will directly impact the business auto exposure. Employees driving their own vehicles for business use should carry Personal Auto Liability insurance with at least $300,000 combined single limits.

Property Insurance for Financial Planners – The principal fire loads for financial planners occupancies include paper files, manuals, furniture, books, and cleaning supplies. Electronic imaging of paper files will help reduce the fire load. Paper files should be stored in metal filing cabinets or in a separate file room. Combustible cleaning supplies should be stored in limited amounts and away from paper products. Wiring problems can cause a fire as a result of frayed wires and overloaded circuits. Wiring should be inspected every week and the use of extension cords should be prohibited.

Crime Insurance for Financial Planners – The crime exposures in a financial planners offices arise from employee dishonesty and electronic theft by outsiders. Enforcing pre-employment hiring screening procedures such as criminal background checks, reference checks, and detailed applications can prevent embezzlement of funds.