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Errors and Omissions: Why a Labor Union needs related Insurance

Errors and Omissions policies are also known as Professional Liability insurance. Errors and Omissions policies that are written for labor unions can protect  a union and its members from claims in regard to genuine acts of negligence, alleged acts of negligence and errors and omissions in the course of operation. Covered members include officers, previous officers, executive affiliates of the board, and union officials as well as employees, sometimes referred to as union officials by the insurance industry.

Coverage can pertain to labor committees that are a:

  • Local union

  • District council

  • State commission

  • City or regional body

  • Global organization

  • Apprenticeship association

  • School

  • Any other type that is recognized and regulated by the Department of Labor


The Labor Union’s Policy, A Claims-Made Based Insurance

Errors and Omissions Insurance for a labor union is bound on a ‘claims-made’ basis.

This means that the policy goes beyond the standard time span of insurance,  wherein the policyholder is covered solely during the time span of the policy. Under the terms of a policy written on a claims-made basis, the union benefits from an extended period of coverage that protects it from the possibility of a lawsuit that is initiated following the policy’s expiration date in regard to an incident that occurred while the policy was in place.

Further information on errors and omissions coverage for the labor union can be obtained by speaking to the experienced insurance professionals at Prime.


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Summary: A labor union and any of its members or employees can be sued for negligence and errors and omissions. This is where related insurance coverage can be used for protection.


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