This product targets not-for-profit companies with less than 200 employees.

Risks With Highest Hit Ratio!

   Fewer than 50 employees and less than $5,000,000 in annual revenue.
   No directors and officers, employment practices, 3rd party discrimination or 3rd party sexual    The following classes of business:

* - (not involved in litigation or activist activities)

Eligible Risks With Next Highest Hit Ratio!

Includes all of the above characteristics except where amended below -

   51 to 200 employees.
   Annual revenues greater than $5,000,000.
   1 or 2 directors and officers or employment practices claims or incidents in the past 5 years.
   The following classes of business:

Product Advantages

   A++ rated carrier.
   Separate Limits of Liability for D & O and EPL claims. (Note: EPL is an optional coverage which    Defense outside the limit.
   Unlimited extended reporting period for former directors and officers.
   Third party sexual harassment and third party discrimination coverage.
   Punitive damages, where insurable by law, included automatically.
   Duty to defend.
   Full prior acts coverage.
   Optional fiduciary liability coverage.

Program Limits & Retentions

   Up to $5,000,000 for D&O and EPL providing that the EPL limit may not exceed the D&O limit.
   Retention's start at $0.