Professional and General
Liability Benefits

Professional and general liability benefits are included in your membership in the Association at no additional cost. Professional coverage, or malpractice coverage, is intended to cover you for unintentional damages you cause a client through negligence or ignorance.  We all hope you never have such a claim, but we live in a litigious society where some people are looking to get rich by falsely charging you with negligence thereby causing them harm.

Carrying malpractice coverage is a necessary cost of doing business in America and Canada today.  The package offered here compares with packages selling from $600.00 to $1500.00 US.  The reason the Calamity Benefit Package of MBACB is so attractively priced is because of the strict requirements for membership.

Your best defense against malpractice claims is a strong professional code of ethics, a solid informed consent form and an outstanding professional liability defense attorney.  You are expected to provide your clients with the first item, keep a copy of the second in your client's file and MBACB will provide you with the third. Your malpractice coverage provides you the following protection against claims for damages which occurred while you are or were a member of the Association:

• Up to $2,000,000.00 US per claim
• Up to $10,000,000.00 US aggregate
• Necessary attorney fees
• Available for both the USA and Canada

General Liability coverage also covers you in the event you cause injury to people or property within the scope of your business but not including professional, intentional, home or vehicle liability coverage.  There are no "inside limits" or "reduced limits" in this protection.  This coverage provides you the following protection:

• Up to $2,000,000.00 US per occurrence
• Up to $2,000,000.00 US for completed products
• Up to $3,000,000.00 US aggregate
• Up to $100,000 US for damage to premises you rent
• Necessary attorney fees
• Available for both the USA and Canada

This coverage is not intended to cover anybody who practices medicine, dentistry, chiropractic, veterinary, psychotherapy, nutritional and diet counseling, mental health counseling or marriage and family counseling with or without a license. 

General liability insurance is intended to cover you for negligent acts on your part when your automobile, homeowners or professional liability insurance does not cover your negligence. You are not covered by general liability insurance if other people are harmed by your automobile, home property or a professional act by you. For more specific answers, you may read our policy.

Note: the policy for TNTANA members is the same policy that applies to MBACB members.