Probably one of the most important, but least understood of insurance coverages is D&O. Essentially, D&O insurance is liability coverage for company managers, officers & directors to protect them from claim situations that arise out of their direction and decision making. The personal assets of these individuals are now protected through this coverage (Side A) as would be the expenses the company incurs (Side B).

Don’t let your insured’s think they’re OK because they have the “corporate shield” of a company of non-profit to protect them. They could be going into their own pocket for defense costs and damages.

Submission Requirements

  • D&O application
  • An application may not be needed for non-profits if you have the named and FEIN number
  • Loss Runs – details on losses & current status

Highlights

  • Admitted paper available for many classes
  • Extremely competitive premiums for NFP organizations
  • Packages including D&O, EPL, Fiduciary, Crime and Kidnap Ransom are available
  • Broad appetite

Target Classes

  • Private companies – big and small
  • Non-Profit organizations
  • Fraternal organizations
  • Coverage for Public Companies available – contact us

Wrongful acts that occur within the workplace make up a startling number of claims and lawsuits each and every year. Everything from wrongful termination to sexual harassment and retaliation can result in claims that can cripple companies both financially and socially. Endorsing a BOP doesn’t cut it – make sure your insureds have an EPL policy with all of the features, language and coverage options they need

Submission Requirements

  • EPLI application
  • EPLI loss history

Highlights

  • Duty to Defend, Worldwide Coverage
  • Admitted and Non-admitted options available
  • No Hammer Clause available
  • Broad definition of claim
  • Full Retaliation Coverage available
  • 3rd Party Coverage for some classes
  • Punitive Damage Coverage available (where insurable)
  • No intentional acts exclusion available
  • HR Helplines and Consultant Services available to insureds free of charge with policy purchase

Target Classes

  • Auto Dealers
  • Sales organizations
  • Private companies
  • Public companies
  • Schools
  • Banks
  • Many, many more…

Employers are held accountable for the benefits options and plans that they offer to employees. Under the Employee Retirement Income Security Act of 1974 (ERISA), employers / fiduciaries can be held personally liable for losses an employee incurs from a benefit plan, as a result of the employer’s negligence or breach of their fiduciary duty. Lawsuits can be brought by employees (plan participants) or the local, state or federal government.

Make sure your insureds are protected against administrative errors, denial of benefits, improper advice, conflicts of interest, etc. Get them the Fiduciary coverage they need – ask us, we can help.

Submission Requirements

  • Fiduciary application
  • Loss Runs
  • Plan & Benefit information as well as info on any 3rd party administration

Highlights

  • Admitted and Non-admitted options available
  • Coverage for Defense Costs, HIPAA violations and 501 penalties available
  • Defense outside the limits is an option

Target Classes

  • All commercial ventures offering benefits
  • Contact us directly about public companies

Help your insureds protect their assets from losses due to dishonesty, theft or fraud. Employees, interns or 3rd party contractors can forge checks, commit computer crime and steal from their employers or non-profit organizations. In many cases, this can go on for long periods of time before being notices, but by then, the financial and reputational damage has been done.

Adding Crime coverage to an client’s insurance plan is a great way to give them peace of mind about these exposures. Give us a call – we can help!

Submission Requirements

  • Crime application
  • 5-year Loss Runs – details on losses & current status

Highlights

  • Admitted and Non-admitted options
  • Broad Definition of Theft
  • Word Wide coverage available
  • Complete Premises coverage including computer theft, safe burglary & robbery
  • Tailored coverage
  • Aggressive and efficient claims payment
  • Duty to Defend form

Target Classes

  • Commercial ventures, both public & private
  • Private companies
  • Non-profit organizations
  • Foundations
  • Fraternal groups

Today’s K&R polices go well beyond just covering the expenses and payments around abduction. Coverage is now designed to minimize the financial impact of kidnapping, illegal detention, extortion and evacuation of unsafe situations. Many policies will also extend coverage to insureds’ family members, including those on vacation, students away at school, etc. Many now include coverage for “Active Shooter” incidents where they will help evacuate and insured from a perilous situation where there is an active, uncontained shooter.

Submission Requirements

  • Kidnap & Ransom application
  • Loss Runs

Highlights

  • Comprehensive coverage
  • Competitive premiums
  • Word Wide coverage available
  • World-Class Crisis Response Teams and Contractors (many ex-military special forces)

Target Classes

  • Private companies
  • Public companies
  • Non-profit organizations
  • Financial Institutions, Banks, Brokerage Houses