PROGRAMS

Agents and Brokers Professional Liability

Our Insurance Agents and Brokers E&O program provides primary or excess coverage for property and casualty (including life and health) insurance agencies. Limits of up to $5 Million on a primary basis and $10 Million on an excess basis are available. -Retail (Independent Insurance Agents) -Wholesalers -Managing General Agencies -Property & Casualty (with or without Life, A&H) agencies -Specialty Lines Agencies -Require 3 years insurance and agency management experience Admitted where you qualify, Non-Admitted where you don't. Professional Services include services performed for others in the insured's capacity as an insurance agent, insurance managing general agent, surplus lines insurance broker, insurance consultant, insurance based risk management or advisor, insurance expert witness, notary public, instructor of insurance subjects or board member of a non-profit insurance professional association.

Insured includes Independent Contractors Under Written Contract. Personal Injury and Advertising Injury Prior Acts Coverage for Qualifying Firms Various Limit Options Up to $5,000,000 Aggregate Retention Defense Costs in Addition to the Policy Limits Free 60 Day Automatic Tail Two Ways Tail Options Carrier Insolvency Coverage (limited) Ineligible Risks: Risks Located in Alaska or Hawaii Reinsurance TPA's Financial Planners New Agencies Significant Premium Written for:  Crop / Hail                                                     Stop Loss                                                     Bonds                                                     Annuities

This is a specimen of our E&O policy.

  

Umbrella or Excess Liability

A few of the many classes of risks for which we have provided Umbrella or Excess Liability coverage (with limits up to $10 million) are: - Municipalities and other political subdivision - School bus contractors; taxi; limousine and livery services - Apartments, townhouses and condominiums - Restaurants, bars and taverns - Auto Dealers and service firms - Equipment rental firms - Primary, secondary and trade schools; colleges and universities - Retailing, wholesaling and distributing - Mining, manufacturing and fabricating - Hospitals and other health care providers - Printing and publishing companies - Special events.

This is a specimen of our Umbrella Policy and our Excess Third Party Liability Policy.

Excess Medical Professional Liability

Some of the classes for which we have written Excess Medical Professional Liability are: -Hospitals of all types -Physician groups -Home health care agencies, nursing homes and hospice care facilities -Ambulance companies -Drug, alcohol or physical rehabilitation centers -Social service agencies -Dialysis, X-ray, CAT-scan and MRI clinics -Laboratories -Therapy services -Providers of services to people with developmental disabilities or the physically  challenged.

This is a specimen of our Excess policy.