Coverage Highlights

• Blanket Property and Contents Coverage
• Replacement Cost and Agreed Amount
• $25K Earthquake & Flood available
• $15K Emergency Vacating Expense
• Room Reserve
• Extermination Expense to $5K

General Liability
(Occurrence & Claims made available)

• $1M/3M Limits Standard*
• Employee Benefits Liability
• Fund Raising Events including Liquor Liability
• Broad Additional Insured included; Endorsements available 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**
• HIPAA Coverage**
• Defense outside the Limits
• No binding arbitration endorsement

Umbrella

• Up to $25M limits
• Broad coverage over GL, PL
• Auto & Abuse (if eligible)
• $10K Minimum Retention (SIR)
• Employers Liability
• No Binding Arbitration Endorsement

Crime

• Employee Theft*
• Forgery or Alteration*
• Other coverages 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 (excluding MDs)
• Vicarious Liability of Doctors
• Psychiatrist, Psychologist Coverage

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**
• $50 Towing Limit for Private Passenger Vehicles
• Drive Other Car - Executive Officers**
• Rental Reimbursement available
• UM/UIM Coverage