An outline of the coverage we provide:
Property
Replacement of your building and contents, including computer / electronic systems
General Liability
$1 million / $3 million limits, unlimited defense costs, volunteers as Insured’s, fund-raising events, host liquor liability, employee benefit liability, punitive damages included as allowed by law
Professional Liability
$1 million/ $3 million limits, unlimited defense costs, vicarious liability for contracted doctors and nurses
Vicarious Liability
Includes liability from multi-disciplinary teams
Sexual Misconduct/Physical Abuse
$1 million/$2 million limits available, unlimited defense costs
Crime
Employee theft, forgery, disappearance of monies
Automobile
Owned, leased, non-owned and hired liability; owned and hired physical damage; rental reimbursement
Directors and Officers
Entity, directors and officers management liability including spouses, fiduciary liability, third party liability, employees & volunteers included
Employment Practices Liability
Workplace harassment, discrimination, wrongful termination, ADA, civil rights, etc. Includes protection for third-party (general public) and client claims
Workers Compensation
Statutory workers compensation and employer’s liability
Umbrella
Up to $5 million additional limits of liability