| PROFESSIONAL LIABILITY |
| MISCELLANEOUS E&O |
| Coverage designed for professionals working or consulting
in a wide variety of fields including actuaries, bookkeepers, claims adjusters,
forensic investigators, hotel property managers, management consultants,
scientific research firms, translators, zoo exhibit designers and many,
many more. |
| -Information Technology |
| Our IT coverage anticipates constant industry change and
is specifically designed to meet the current and future needs of IT professonals. |
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Coverage is designed to address exposures that have been
created by the new Internet risks, such as intellectual property right
exposures that include copyright, trademark and servicemark, and can include
personal injury exposures such as libel and slander. |
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Occurrence GL is available. |
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Targeted classes include electronic data processors, computer programmers,
software developers, systems analysts, Internet access providers and Web
page designers. |
| -Unauthorized Electronic Communications
Systems Insurance (Hacker) |
| Coverage designed for any small-to-mid-sized business that
would be impacted by an invasion to their telephone, satellite, facsimile
or computer systems. |
| ARCHITECTS & ENGINEERS |
| Three Types of Coverage |
| Standard/Practice Policy |
| Professional liability coverage for traditional architecture
and engineering firms, or any type of unusual hybrid or hard to place
firm. |
| Project Policy |
| Covrage just for the project. Practice coverage not a requirement
to be eligible for project coverage. Can cover any member of a design
team. |
| Contractor's Contingent Liability |
| Coverage that fills a potenial gap in contractor's insurance
policy. Protects against vicarious liability arising from an error or
omission on the part of the architect or design professional hired by
the contractor. |
| LAWYERS PROFESSIONAL LIABILITY |
| • |
Private practice coverage for individual attorneys or multi-attorney
firms. |
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Specialize in hard-to-place atorneys. |
|
| MEDICAL |
| MEDICAL MALPRACTICE |
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Coverage for physicians, surgeons, anesthesiologists and dentists. |
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Specialize in coverage for physicians who are hard-to-place or have
unusual or specialty practice needs. |
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Accept student and nonstandard risks. |
| SPECIFIED MEDICAL |
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Coverage designed for a wide variety of medical facilities and professionals
engaged in direct client care. |
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Coverage for medical facilities extends to employed health care professionals
other than physicians, surgeons, or dentists. |
| • |
Eligible medical facilities include: outpatient clinics, medical training
schools, organ banks, home health care agencies, diagnostic imaging labs,
clinical testing labs, fertility clinics and sperm banks, clinical trials
and utilization review. |
| • |
Eligible medical and allied professionals include: physical/occupational
therapists, social workers, psychologists, counselors, chiropractors,
acupuncturists, radiological technicians, certified registered nurse anesthetists
(CRNAs) and perfusionists. |
 TOP^ |
| DIRECTORS AND OFFICERS |
| NON-PROFIT DIRECTORS & OFFICERS LIABILITY |
| Coverage targeted to directors and officers of non-profit
organizations including social service agencies, associations, foundations,
fraternal organizations, churches, cooperatives, private clubs and nursing
homes. |
| Public Officials and School Board Liability coverage is
also available targeting small-to-medium sized municipalities and special
districts and public and private schools, including colleges and universities. |
| • |
Broad form coverage includes the entity, employees, trustees, committee
members and volunteers. |
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Full prior acts coverage included. |
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EPLI coverage included. |
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Available on an admitted basis in most states. |
| CORPORATE D&O |
| • |
Coverage for private or public companies, including limited liability
corporations; from standard accounts to hard-to-place. |
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PrivateSelect form provides cutting-edge D&O and EPLI coverage to
private companies. |
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Surplus lines and admitted capabilities. |
| • |
State-of-the-art coverage forms. |
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Continuity and full prior acts. |
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EPLI included with entity coverage. |
| TOP^ |
| DISCRIMINATION LIABILITY |
| EMPLOYMENT PRACTICES LIABILITY INSURANCE (EPLI) |
| • |
Coverage for for-profit companies and non-profit organizations seeking
to protect themselves against employee-based lawsuits such as wrongful
termination and sexual harassment. Offered as a stand alone or combined
coverage with D&O. |
| • |
Broad "all risk" coverage includes the Family & Medical
Leave Act (FMLA), Fair Labor Standards Act (FLSA), Uniform Services Employment
Rights Act (USERA), mergers, defamation, false imprisonment & intentional
infliction of emotional distress. |
| • |
Provide insureds with proactive loss control services such as confidential
employment practices telephone hotline staffed by employment law specialists,
loss control manual and loss control seminars. |
| TENANT DISCRIMINATION |
| • |
Coverage targeted to property owners or managers to protect against
allegations of violation of the Fair Housing Act. |
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Broad-based policy extends to property owners or managers of commercial
or residential property. |
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Pay-on-behalf-of policy wording. |
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First dollar defense, no coinsurance. |
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Optional HUD policy endorsement. |
| TOP^ |
| COMPETITIVE EDGE PROTECTION POLICY |
| • |
Product protects an employer who has a non-compete agreement with employees.
If an employee leaves, goes to a new company and violates the agreement,
the insurance pays for the original company to bring a lawsuit against
its former employee and that employee's new company. |
| • |
Coverage is also available to pay for defense costs for the new company,
whose new employee is accused of violating the non-compete agreement. |
| TOP^ |