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Professional Lines
Corporate D&O and EPLI with Fiduciary Laibility and Third Party Discrimination Options
This product targets privately held for-profit companies with fewer than 500 employees and less than $350 million in assets.
Risks With Highest Hit Ratio!
- Up to 200 employees.
- No past or future plans for downsizing, layoff, merger or acquisition activity.
- No D&O or employment practices claims or incidents in the past 5 years.
- Sound financial condition evidenced by a shareholders' surplus and a retained earnings surplus.
- The following classes:
- Accounting firm
- Advertising firm
- Air/heat
- Ambulance service
- Architect
- Artisan contractor
- Assisted living
- Bowling lane
- Car wash
- Caterer
- Cemetery
- Condo-Commercial *
- Counseling ceneter *
- Day care center *
- Drug rehab center
- Engineer
- Fast food restaurant
- Fitness center
- Furniture rental *
- Garment maker
- Crocery store
- Hair salon
- Hotel/motel
- Janitorial
- Landscaper
- Maintenance
- Manufacturer
- Plumber
- Printer/publisher
- Real esate agency *
- Rental car agency *
- Retail store
- Sales/distributor
- School*
- Surpermarket
- Transporation/trucking
- Travel agent
- Veterinary clinic
* 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 workforce.
- 201 to 500 employees.
- Shareholders deficit or operating losses.
- 1 or 2 directors and officers or employment practice claims or incident in the past 5 years.
- Less than 3 years in operation.
- The following classes: auto dealers*, consultants, property managers*, insurance agents*, assisted living, country clubs*, non-residential cooperatives, low technology, executive search firm.
- Classes that are not listed in this guide.
Product Advantages
- A++ rated carrier.
- Separate directors and officers liability and employment practices liability limits.
- Employment practices liability defense outside the limit for firms with up to 200 employees.
- Optional fiduciary liability coverage.
- Entity coverage is automatically included.
- Unlimited extended reporting period for former directors and officers.
- EPL wrongful act extends to 12 named perils, including acts arising out of use of the Internet and third party sexual harassment.
- Full prior acts available.
- HELPLINE human resources consultation service at no charge if EPL is purchased.
- Automatic outside directorship liability for service on 501(c)3 Boards.
- Stand alone directors and officers liability policy is available.
- Duty to defend.
Program Limits & Retentions
- Up to $5,000,000 per coverage part providing that the EPL limit may not exceed the D&O limit.
- Retentions start at $5,000.