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Professional Lines
For Profit Employment Practices Liability With Third Party Coverage Options
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 incidents in the past 5 years.
- The following classes of business:
- Accounting firm
- Advertising firm
- Air/heat contractor
- Ambulance service
- Architect
- Artisan contractor
- Assisted living
- Banks*
- Bowling lane
- Car wash
- Church
- Condo/Homeowner Associations
- Counseling center*
- Credit operations*
- Day care center*
- Doctor/dentist*
- Drug rehab center
- Engineer
- Fast food restaurant
- Foster care
- Furniture rental*
- Garment maker
- Grocery store
- Hair salon
- Hotel/motel
- Janitorial/maintenance
- Landscaper
- Manufacturer
- Plumber
- Printer/publisher
- Real estate agency*
- Rental car agency*
- Retail store
- Sales/distributor
- School*
- Supermarket
- Transportation/trucking
- Travel agent
* - 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.
- 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 agents/companies*, assisted living, country clubs.
- 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 Internet.
- 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.