This product targets for-profit companies with fewer than 200 employees.

Risks With Highest Hit Ratio!

   No past or future plans for downsizing, layoff, merger or acquisition activity.
   No employment practices, 3rd party discrimination or 3rd party sexual harassment claims or    The following classes of business:

* - Indicates risks which are not eligible for Third Party Coverage Option

Eligible Risks With Next Highest Hit Ratio!

Includes all of the above characteristics except where amended below -

   Downsizing, layoff, merger or acquisition in the past 12 months affecting 10% or more of the    1 or 2 directors and officers or employment practice claims or incidents in the past 5 years.
   The following classes: auto dealers*, consultants, property managers*, insurance    Classes that are not listed in this guide.

Product Advantages

   A++ rated carrier.
   Defense outside the limit if a $500,000 limit or higher is chosen.
   Duty to defend.
   Free HELPLINE human resources consultation service with unlimited calls and no time limits.
   Definition of wrongful act extends to 12 named perils, including acts arising out of use of the    No intentional acts exclusion.
   Optional coverage for punitive damages.
   Optional third party liability coverage.
   Full prior acts available.

Program Limits & Retentions

   Up to $5,000,000.
   Retention's start at $2,500, and vary by city and class of business.