Professional

PROGRAM FEATURES

• Exclusive coverage form and endorsements developed in-house
• A.M. Best rating of A
• Up to $5M primary limits, up to $5M Excess limits capacity
• Professional Liability Insuring agreement includes affirmative coverage for bodily injury and property damage arising from professional services, up to full limits
  • Professional Services also includes coverage for pro-bono services
• Claim-Made or Occurrence Pollution liability coverage for damages, cleanup costs and claim expenses from a pollution condition arising out of professional services, up to the full limit
  • Includes coverage for emergency clean-up
  • Mold included within the definition of pollutant
  • Coverage for transportation of pollutants
• Technology Professional Services and Technology Products coverage up to full limit
• Computer Network Security
• Privacy Liability
• Media & Advertising Liability including
  • Personal Injury
  • Third-party discrimination covered up to full limits

RISK APPETITE (INCLUDING BUT NOT LIMITED TO)

• Design Professionals
• Engineering Professionals
• Design and Construct Projects (Design Build Firms)
• General Contractors, Specialty Contractors and Artisan Contractors
• Construction Management Firms
  • Agency Construction Managers / Owners Rep
  • At-Risk Construction Managers
  • Project Managers
• Artisan Trade Contractors

FORM ADVANTAGES

• GL available to design professionals
• Up to $500K Abuse sublimit available by endorsement
• Rectification Expense coverage available by endorsement
• Contractual Liability coverage available on certain Insuring Agreements
• Independent contractors covered under definition of insured
• Faulty Workmanship Carve-Back included in form
• Contractor’s Protective Indemnity coverage available by endorsement
• Drone first and third-party physical damage coverage available by endorsement
• Punitive damages explicitly included in definition of ‘damages’, if insurable by law, up to full limits
• Asbestos included within the definition of pollutant and professional services carve back for any claims that arise from your performance of your professional services that took place after Jan 1, 1990
• Additional $150,000 coverage limit in addition to (will not erode) the policy aggregate for
  • Standard Supplementary Payments
    • $30,000 Regulatory & Administrative Actions (FHA/OSHA/ADA)
    • $25,000 Defense of Licensing
    • $25,000 Subpoena Assistance
    • $10,000 Loss of Earnings
  • Additional Payments
    • $100,000 Pre-Claims Assistance
    • $25,000 Workplace Violence Counseling
    • $50,000 Reputation Management – available by separate endorsement

RESPONSIVE RISK MANAGEMENT RESOURCES

• Proactive in-house claims management through experienced professionals to assist with Pre-Claim Assistance
• Unlimited Contract Review Services available to all policy holders

Allied Healthcare

FEATURES & BENEFITS:

• Professional and General Liability Package
• Pollution Liability
• Technology Based Services
• Technology Products
• Media and Advertising Liability
• HIPAA violations including HITECH

• Sexual Misconduct Allegations
• Limits up to $2M per claim, $4M aggregate
• Up to full limit of abuse
• HNOA/EBL available
• Medical Director, Independent Contractor, and student included in definition of insured.

TARGET CLASSES: (INCLUDES BUT NOT LIMITED TO)

Strong Appetite:

• Acupuncturists
• Aestheticians/cosmetologists
• Audiologists
• Corporate wellness
• Dialysis centers
• CPR first/aid training
• Healthcare staffing
• Hospice/respite/end-of-life care
• Hyperbaric therapy
• Nurse (CNA/LPN/LVN/RN)
• Medical/healthcare consulting
• Medical testing laboratories
• Pharmacies (retail/compounding)
• Rehab facilities
• Yoga/Pilates instruction

Conservative Appetite:

• Adoption and foster consulting/counseling
• Blood/tissue/organ banking
• Case management/utilization review
• Chiropractors
• Clinics (non-primary care)
• Clinical research or trial services
• Cryotherapy
• Dentists
• Egg donor/surrogacy consulting
• Infusion therapy
• Intensive outpatient and partial hospitalization programs (IOP/PHP)
• Pregnancy testing/consulting
• social service organization
• Substance abuse counseling

TARGET CLASSES

(includes but not limited to)

• Appraiser/Adjuster Services
• Assessor
• Auctioneer
• Background & Private Investigator
• Consultants
• Event Organizer
• Freight Forwarders
• Funeral Directors
• Hotel Management
• Inspectors
• Marketing/Advertising
• Payroll Processors
• Professional & Trade Associations
• Recruiting/Staffing
• Talent Agents

Classes for consideration:

• • Actuaries
  • Babysitter & Referral Services
  • Collection Agents
  • CPAs
  • Nanny/Nanny Placement
  • Mortgage Brokers
  • Premium Finance Services
  • Title Agent/Title Abstractor
  • Trustee Services

COVERAGE DETAILS

• Minimum Premium starts at $5K
• Add GL up to $1M/$2M on certain classes
• Up to $50M in annual revenues
• Up to $3M/$3M primary limits
• Risks in all 50 U.S. States can be considered
• Broad definition of insured
• Coverage Extensions:
  • Defense of Licensing $15K Sublimit
  • Regulatory or Administrative Actions $25K Sublimit
  • Subpoena Assistance $10K
  • Supplemental Payments $10K
• Coverage Options Include:
  • General Liability with products and completed operations
  • Sexual Abuse Misconduct
  • Contingent Bodily Injury and Property Damage
  • Hired & Non-Owned Auto
  • Aggregate Retention Endorsement
  • First Dollar Defense
  • Network Security
  • Technology Extension
  • Amended Hammer