Property

• Blanket Property and Contents Coverage
• Replacement Cost, Agreed Amount
• Enhanced Property Form
• Earthquake & Flood available
• Emergency Vacating Expense
• Client Monies & Securities included
• Room Reserve
• Special Deductible Exceptions
• Business Income/Extra Expense
• Upgrade to Green Available

General Liability
(Occurrence & Claims made available)

• $1M/3M Limits Standard*
• Employee Benefits Liability
• Fund Raising Events including Liquor Liability
• Broad Additional Insured included at no extra charge
• Medical Payments up to $25k available*
• Separate, Dedicated Abuse Limits
• Abuse & Molestation for Employee/Client/3rd Party
• Aggregate per Location Endorsement
• Crisis Response**
• Defense outside the Limits
• No binding arbitration endorsement
• HIPAA Coverage Available

Umbrella – Follow Form

• Up to $25M limits
• Broad coverage over GL, PL, Abuse & Auto
• Employers Liability
• No Binding Arbitration Endorsement

Crime

• Employee Theft*
• Forgery or Alteration*
• Exposure for In-Home Service Providers
• Clients Property for Janitorial Contracts
  Other Coverage Available

Inland Marine Form

• Blanket EDP coverages
• Builder’s Risk coverage available
• Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

• $1M/3M Limits Standard*
• Punitive damage coverage (where permitted by law)
• Employed and Contracted Professionals
• Vicarious Liability of Doctors
• Primary Care Clinics Covered
• Psychiatrist, Psychologist Coverage
• No Binding Arbitration Endorsement

Commercial Auto

• $1M Combined Single Limit Liability
• Mandatory PIP where applicable
• Employees as Insured
• Non-Owned / Hired Auto
• Hired Auto Physical Damage
• Auto Loan/Lease Gap (where available)
• Towing Limit for Private Passenger Vehicles
• Drive Other Car – Executive Officers
• Rental Reimbursement available
• UM/UIM Coverage
• Broadened Auto Coverage where available