Property

·Blanket Property and Contents Coverage up to $35M
·Replacement Cost
·Agreed Value (with signed SOV)
·Equipment Breakdown
·$25K Earthquake & Flood*
·$15K Emergency Vacating Expense
·Client Monies & Securities included
·6% inflation guard applies to Building & Business
·Personal Property
·Special Deductible Exceptions
·Builders Risk Coverage available
·$100,000 Property in Transit

Crime

·$25K Employee Theft*
·$25K Forgery or Alteration*
·$10K Inside Premises Money & Securities
·$10K Inside Premises Robbery & Safe Burglary
·$10K Outside Premises
·Clients Property included when exposure exists

Inland Marine Form

·$100K Accounts Receivables
·$100K Valuable Papers
·Additional coverage options are available

General Liability
(Occurrence & Claims made available)

·$1M/3M Limits
·Employee Benefits Liability (claims made) at $1M/1M Limits
with $1000 deductible
·Automatic Liquor Liability for Fund Raising Events
·Coverage for Fund Raising Events included
·Broad Additional Insured Endorsements available at no extra charge
·$10K Medical Payments*
·$250K Fire Legal Liability*
·Abuse and Molestation have separate & dedicated limits
·Abuse and Molestation coverage for employee/client/3rd party
·Aggregate per location endorsement
·Defense outside the Limits
·No binding arbitration endorsement

Professional Liability
(Occurrence & Claims made available)

·$1M/3M Limits
·$25K punitive damage coverage (where permitted by law)
·Includes employees, volunteers, employed nurses,
psychiatrists, medical directors & administrators
·No binding arbitration endorsement

Umbrella

·Up to $25M
·Abuse and molestation if eligible
·$10K Minimum Retention (SIR)
·Employers Liability
·Contractual Liability
·Products & Completed Operations
·Auto Liability
·General Liability
·Professional Liability

Commercial Auto

·$1M Combined Single Limit Liability
·Mandatory PIP where applicable
·Employee Hired Auto
·$50 Towing Limit for Private Passenger Vehicles
·$50K Hired Auto Physical Damage Limits
·Non-Owned / Hired Auto
·Rental Reimbursement
·Employees as Insured

* Increased limits available

Our comprehensive Behavioral Health Policy covers general and professional liability, property, auto, crime and umbrella. Examples of eligible risks are:

·Behavioral health facilities
·Clubhouses
·Crisis Intervention Centers/Hotlines
·Marriage counseling
·Medical Rehab & Mental Health Clinics
·Mental Health Associations
·Mental Health Clinic
·Outpatient Counseling
·Outpatient Facilities
·Psychiatric Rehabilitation Services
·Psychosocial Rehabilitation
·Referral Services for Personal & Social Problems
·Residential Treatment Facilities
·Self-help Organizations
·Temporary Relief Services
·Therapeutic Communities

Applications for this program are state specific. Choose your state from the Drop Down Menu or the Map.