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