Our Solutions
A policy for every need
By Category
✓ Contingency
✓ Employment Violent Act
✓ Excess/Umbrella
✓ Intellectual Property
✓ Kidnap & Ransom
✓ Property & Casualty
✓ Terrorism
✓ Management Liability
+ Side A DIC
+ Directors and Officers
✓ Product Recall
✓ Professional Liability
✓ Transaction Liability
By Industry
✓ Cannabusinesses
✓ Financial Institutions
✓ Healthcare
✓ Life Science
✓ Media & Entertainment
✓ Professional Services
✓ Technology
ESI-EPLI
Employment Practices Liability
✓
EMPLOYEE EVENTS
– Broadened Definitions of Employment Discrimination
– Inappropriate Employment Conduct Coverage Expanded
Includes Bullying & Cyber Bullying
✓
THIRD PARTY EVENTS
– Broadened Definition of Third Parties that can bring covered claims for Discrimination and Harassment
Premium discount available for coverage removal
✓
THIRD PARTY + ADA
– Actual or Alleged Acts of DIscrimination for Building(s) or Facilities not being ADA Compliant
– Includes allegations of the absence of Braille
– Includes website inaccessibility to visually disabled individuals
Additional premium for qualified risks.
Policy Features Include
→ Up to 50% Deductible Reduction (for qualified risks)
→ First Dollar Defense for EEOC Administrative Proceedings Coverage before the deductible applies (up to $2,500)
→ Not a Self Insured Retention but a True Deductible
→ FLSA Defense Sublimit Available
→ Run Off Provision (automatic extended reporting period if operations sold or ceased before policy expiration)
→ Punative and Exemplary / Liquidated Damages (where insurable)
→ Family Medical Leave Act (FMLA)
→ Equal Pay Act (EPA)
→ Worker’s Adjustment and Retraining Notification (WARN)
→ Reorganization/Downsizing
→ Prior Acts (additional premium for qualified risks)
→ 60 Day Reporting Period Condition for Claims Made and Reported within the Policy Period
→ Coverage for Independent Contractors Available by Endorsement
Cyber coverage
Cyber risk is an exposure that no modern business can escape. The impacts of cyber crime — from business interruption to financial losses & privacy concnerns — are now felt across all industries. With solutions designed for businesses of all sizes, our cyber products provide cutting-edge, innovative coverage to protect against the very real and growing threats of today’s digital world.