Accident insurance designed for organizations with volunteer exposure. Protects volunteers without exposing the organization's General Liability or Workers Compensation policies to additional claims. This is an important benefit program which shows your volunteers that you care while providing an alternative to traditional coverage options.

Product Highlights:
• Accidental Death
• Accidental Dismemberment
• Excess Accident Medical Expense
• Weekly Accident Indemnity (WAI) Benefit
• AD&D Coverage Enhancement - Also available for D&O Policies

Application:
Volunteer Accident Application

! Not available in all states, please call 1-800-622-8272 x 5142 for more information.

Claims Reporting Instructions: >> download reporting instructions
All losses, accompanied by their respective loss notices, should be reported to American International Companies using one of the following methods:

Mail: Accident and Health Claims Division
PO Box 15701
Wilmington, DE 19850-5701
Phone: 1-800-551-0824

These two products are available for a wide variety of class codes. They are designed to cover exposures relating to employment practices and the risks these exposures present. They are available on a mono-line basis or in conjunction with one of the D&O products listed above.

Click here for an Online Quote

For-Profit Employment Practices Liability (EPLI)
For-Profit Employment Practices Liability with Third Party Coverage Options. This product targets for-profit companies with fewer than 200 employees. (Please contact us for list of available professions)

Medical Providers Protection for Employment Practices Liability (Non-Admitted)
This product targets medical providers with fewer than 100 employees.

Product Highlights:
• Duty to Defend
• Optional Coverage for Punitive Damages
• Full Prior Acts Coverage available
• Free HELPLINE human resources consultation service with unlimited calls and no time limits

Limits:
For-Profit Employment Practices Liability
• Up to $5M
• Retentions start at $1,000 and vary by state, city, and class
Medical Providers Protection for Employment Practices Liability
• Up to $2M for Employment Practices Liability including Third Party Discrimination and $100,000 for Sexual Misconduct to a Patient
• Retentions start at $2,500

Our Professional Liability program is available to a wide array of classes. This program is designed to cover the various needs of these types of businesses and the risks their exposures present. This product is available on a mono-line basis.

Products available in this program:
• Specified Professions- Professional Liability (Contact us for list of professions)
• Corporate Directors & Officers- Professional Liability (Contact us for list of professions)
• Public Officials Liability for Special Service Districts- Professional Liability
• Recruiters Professional Package- Professional Liability
• Technology- Professional Liability
• Property Managers- This product targets property managers specializing in either commercial or residential property management.
• Real Estate Agents- This product targets traditional real estate sales firms.
• Appraisers- The product targets both individual Appraisers and Appraiser Firms.
• Personal Lines Insurance Agents- This product targets retail agencies primarily producing personal lines property, casualty and life lines of coverage with less than $10M in premium volume

Product Highlights:
• Defense outside the limit of liability.
• Full Prior Acts coverage available.
• Duty to defend.
• Many optional coverages available depending on program. Please contact us for details.

Our ALL-IN-ONE Non Profit Package product provides Fraternal Clubs the opportunity to purchase General Liability, Liquor Liability, Property, and Directors & Officers and Employment Practices Liability coverage all through One application, One underwriter, and One policy!

•Fraternal Clubs
•Veterans of Foreign Wars
•American Legions
•Loyal Order of Moose
•Protective Order of Elks
•Fraternal Order of Eagles
•Order Sons of Italy
•Historical Societies
•Environmental Organizations

General Liability Features:
• General Liability limits up to $1,000,000/$2,000,000
• Expanded definition of Bodily Injury to include Mental Anguish and Emotional Distress
• Club members included as Additional Insureds

Property Features:
• Special Cause of Loss form
• Equipment Breakdown-includes free boiler inspection if required
• Value Plus Endorsement
• Business Income coverage

Liquor Liability Features:
• Defense costs are outside policy limits
• No Deductible
• Assault and Battery coverage available on most risks (except Texas)

Directors & Officers/Employment Practices Features:
• Separate Limits of Liability
• Defense Costs outside the limit
• Unlimited Extended Reporting Period for former Directors & Officers

Additional Advantages:
• Quick quote turnaround
• Quick binder confirmation
• A.M. Best rated A++ carrier

Application:
Fraternal Clubs Application

ISA's Environmental Liability Policy provides liability and clean up coverage for pollution conditions. ISA works with mulitple carriers in order to offer a specific policy that includes all the coverage you require for your fixed-facility exposures.

Coverages include:
• On-Site Clean-Up of pollution conditions
• Bodily Injury & Property Damage Coverage
• Emergency Response Cost Coverage
• Defense & Settlement

Optional Coverages available:
• Business Interruption
• Mold Coverage
• Transportation of Materials

Applications:
Z Choice Environmental Application
Pollution Legal Liability
Pollution Legal Liability - Indoor Air Quality and Mold Questionnaire

Accident Medical for Specialty Risks

Contractor’s Pollution Occurrence (CPO) Application

For-Profit Employment Practices Liability (EPLI)

Long Shot prize indemnification coverage for Hole in One Contests

Mono-Line Sexual Misconduct Liability Application
(2 years most current audited financial statements, 5 years currently valued loss runs and insured's sexual misconduct policy & procedures are also required)

Claims Reporting Instructions: Monoline Sexual Abuse Losses: >> download instructions
All Monoline Sexual Abuse matters should be sent to Lexington Insurance Company at the following address:

Attn.: Supervisor of Professional Liability Claims
Lexington Insurance Company
100 Summer Street
Boston, MA 02110-2103

Real Estate Agents E&O Online Application