Coverages Available
PROPERTY COVERAGE
The Primary Property layer of the All Lines Aggregate provides the first $1,000,000 limits (inclusive of the retention) for both Real and Personal Property on a Blanket basis.
Garage Keepers Legal Liability, Fire Legal Liability, Building Ordinance Coverage and Newly Acquired Property are all included within the policy limits.
Debris Removal, as well as Earthquake and Flood coverage are also included on an annual aggregate basis.
Other key coverage may include:
Automobile Physical Damage, Valuable Papers and Records, Accounts Receivable, Business Income and Extra Expense, Electronic Data Processing Media and Equipment, Transit coverage and Contractors Equipment.
Special Coverage features will include:
• The Special Cause of Loss Form
• A Replacement Cost Valuation applied to Real and Personal Property
• No Coinsurance requirements
COMMERCIAL GENERAL LIABILITY
The program provides a $2,000,000 General Liability Aggregate and a $1,000,000 Products and Completed Operations Aggregate. The Per Occurrence Limits for Personal and Advertising Injury, as well as, Employee Benefit Liability and Law Enforcement Professional are all set a $1,000,000. Limits are inclusive of the retention.
Other Coverages may include:
• Liquor Liability
• World Wide Products Coverage
• Blanket Contractual
• Blanket Vendors Coverage
Special Conditions & Coverages will include:
• A general aggregate than can apply per location or per job
• A definition of Personal Injury extending to Discrimination and Violation of Civil Rights
• Sexual Abuse & Molestation is not excluded
• Corporal Punishment is not excluded
CRIME COVERAGE
The program provides a Blanket Limit of up to $250,000 for Employee Dishonesty.
Special Coverage Features may include:
• Broad Form Named Insured Endorsement
• Coverage for Employee while away from Insured’s premises
• Coverage for volunteer workers
PUBLIC OFFICIALS ERRORS & OMISSIONS AND SCHOOL BOARD LEGAL LIABILITY
Our package policy can provide Public Officials Errors & Omissions or School Board Legal Liability for Public Entities and Political Subdivisions. The Limits of Liability afforded for these professional coverages are $1,000,000 for any one claim and $1,000,000 annual aggregate. Limits are inclusive of retention.
We include coverage for:
• Civil Rights Violations
• Actual or Alleged Error or Misstatement
• Discrimination
• Wrongful Termination
• Employment Related Wrongful Acts
Special Coverage Features can include:
• The Insured’s Choice of Counsel
• The Consent of Insured in settling claims
• Architects & Engineers E & O that is not excluded
• Punitive Damages that are not excluded; and
• Faulty Preparation of Bid Specifications that are not excluded