For-profit Employment Practices and Fiduciary Liability

• Broad appetite targeting businesses with up to 500 employees
• Ability to quote first-time buyers
• Includes FLSA coverage with $100,000 sublimit for defense costs and loss
  (available to most accounts in most jurisdictions)
• Defense outside the limit up to 200 employees if a $500,000 limit or higher is chosen
  (does not apply to violations of FLSA) Available in most jurisdictions
• Third Party coverage included on most classes

Information to quote: state, class of business and number of employees

Nonprofit Directors and Officers and Employment Practices Liability

• Over 25 years of experience writing and serving nonprofit organizations
• Coverage included for claims of discrimination or harassment involving employees, volunteers, members or others (if Employment Practices Liability is purchased)
• Broad coverage including legal defense costs, protection of the personal assets of directors/officers and claims made against the organization

Information to quote: state, class of business, annual revenue and number of employees

Condo and Homeowners Association Directors and Officers With Employment Practices Liability    

• Eligibility includes associations with up to 1,000 units and average unit values up to $1 million
• Coverage for monetary, non-monetary and defense for breach of contract claims to protect the organization and personal assets of directors, officers, committee members and volunteers
• Employment practices liability with third-party harassment and discrimination included for most classes  

Information to quote: state, type of association and number of units

Crime for Community Associations

• Coverage for theft of money, securities and other property by employees of the insured association
• Coverage provided for employees, directors, officers, committee chairs and volunteers without having to schedule them by name or position
• Optional coverages with the ability to choose limits less than or equal to the employee theft limit for actions by anyone other than the Insured for:
  • Forgery/Alteration
  • Robbery/Safe burglary inside the premises
  • Computer fraud
  • Money orders and counterfeit money
  • Theft of money and securities inside the premises 

Public Officials Liability for Special Service Districts

• Designed and tailored to meet the needs of public officials and their special service districts
• Separate limits of liability for public officials liability and employment practices liability
• Coverage for third party harassment and discrimination available on most classes
• Unlimited Reporting Period for former elected or appointed officials

Information to quote: state, specific service district, annual revenue and number of employees