Products

EMP is our professional liability product targeting miscellaneous professionals and technology companies with annual revenue from $15 million to $100 million.

Our product is a modular form with the following coverage parts:

Errors and Omissions Liability: Provides coverage for claims arising from the insured’s professional services for a broad range of companies including miscellaneous professionals and technology firms.

Media Liability: Provides coverage for claims alleging personal and intellectual property injury including libel, slander, copyright and trademark infringement. It also includes coverage for negligence in content

Network Security and Privacy Liability: Covers claims against insureds arising from a failure of network security, breach of private data, violation of a privacy law or disclosure of third party corporate information.

Privacy Breach Expense: Covers expenses incurred by the insured company arising from a privacy breach, including forensics, notification (including call center services), credit monitoring, public relations, computer system restoration and hardware replacement (bricking). Also includes coverages for cyber-extortion threat, reputation damage, cyber crime, voluntary shutdown, dependent business interruption and system failure.

Our Excess Professional product offers coverage over professional liability and management liability policies for a broad range of private company and nonprofit classes.

This is a liability only policy providing comprehensive premises liability coverage and coverage for the vicarious acts of the contractor to an owner or tenant hiring a general contractor to perform either major renovations or new construction work associated with either residential or commercial construction. We provide the convenience of flexible policy terms of 3, 6, 9 or 12 months.

Our product provides property protection for the owners or contractors who are constructing new residential or commercial buildings with up to $5 million in property limits. Our all-risk property coverage includes theft, property in transit and soft costs. We have the ability to extend the policy until the project is completed.

This product provides comprehensive general liability and property coverage for many unique exposures faced by today’s residential, office and mercantile janitorial businesses. Our flexible coverage options include contractor’s equipment, rental reimbursement, lost keys, property damage extension, employee theft and blanket additional insured. We permit up to 50% of operations dedicated to floor waxing and up to a combined 50% of sales for ancillary operations involving landscaping, lawn maintenance, carpet cleaning, window cleaning and interior painting. We can accommodate risks with up to 50 workers and can consider subcontracted costs up to 50% of annual sales.

Our product is designed to protect mobile home park owners for general liability and certain communal property exposures, such as a clubhouse. We can consider parks with up to 500 pads and can accommodate risks with amenities such as pools, recreation centers, play grounds, sports courts, etc. Additionally, we can provide liability coverage for owned units leased to tenants.

This liability only product is perfect for the individual who wants to manage and control their own construction or renovation project. It is designed to cover the interest of an owner who chooses to act as the general contractor in the construction or renovation of a residential or commercial building. We provide the convenience of flexible policy terms of 3, 6, 9 or 12 months.

This liability product can also be paired with commercial property coverage to provide a package policy. It is designed to provide general liability coverage for a wide variety of truck hauling exposures. Our liability policy is non-auditable and has no liability deductible. In addition, blanket waiver of subrogation and blanket additional insured coverages are available.

Risks that are 100% vacant are eligible for this product including those undergoing renovations. We offer flexible policy terms of 3, 6, 9 and 12 months with only at 25% minimum earned premium. We have no restrictions on the length of vacancy. Our product features the ability to offer special form and replacement cost on qualifying risks, and we automatically include vandalism coverage.

This product is specifically designed for land that is either 100% vacant or land being leased out to others. We offer flexible policy terms of 3, 6, 9 or 12 months. For leased land, we will consider properties being used for equipment storage, vehicle parking, athletic use, crop farming, animal grazing and other activities.

Our Excess and Umbrella products offer limits up to $5 million for over 300 classes of business. We offer several product advantages including no self-insured retentions and competitive minimum premiums for both Excess and Umbrella quotes. We can offer terms on either a supported or unsupported basis over any underlying carrier rated B++ or better.

Our product is specifically designed for applicants who desire higher limits over other Commercial Excess or Umbrella Liability policies. Product features include the ability to provide liability limits up to $5 million within the layers of other excess or umbrella policies (tower), competitive minimum premiums and no self-insured retentions. We can offer terms over any underlying carrier rated B++ or better for over 300 classes of business.