Professional Liability/ D&O/ EPL

Directors &Officers / Employment Practices Liability
Errors & Ommissions

Programs available in New England and NY State. A.M. Best A++ Carriers

 

Directors &Officers / Employment Practices Liability

Community Association Product

The product targets small to medium sized associations with up to 1,000 units and up to $2,000,000 in average unit value. Coverage features include automatic additional insured status for the property management company, third party harassment and discrimination coverage, as well as non-monetary coverage and defense coverage for breach of contract claims in most states.

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Crime Insurance for Community Associations

coverage is designed for risks eligible for the Community Association Product and includes coverage for theft of money, securities and other property by employees of the association as well as the option to cover theft by a property manager’s employees. The policy also features automatic coverage for directors, officers, committee chairs, employees and volunteers.

Corporate Directors &Officers Liability

Coverage is designed for private companies with up to $350 million in assets and 500 employees. Separate Directors and Officers (D&O) and Employment Practices Liability (EPL) limits, up to $1 million separate defense cost limit for the D&O, coverage for defense costs outside the limit for the EPL (up to 200 employees), a $100,000 sub-limit for Fair Labor Standards Act claims (including defense costs and loss; state restrictions apply) available Fiduciary Liability coverage under the D&O, unlimited extended reporting period for former directors and officers, and full entity coverage are just a few of the many features.

Employment Practices Liability

Our product is specifically designed for a broad range of employers with up to 500 employees and includes coverage for defense costs outside the limit (up to 200 employees), a $100,000 sub-limit for Fair Labor Standards Act claims (including defense costs and loss; state restrictions apply), a broad definition of Wrongful Employment Act, punitive damages (state restrictions apply), and a FREE human resources hotline (no limit on number and length of calls). Third party discrimination and harassment option is available to most classes.

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Medical Providers Employment Practices Liability Protection

The product provides third party discrimination and harassment and a separate $250,000 defense protection for allegations of Patient Molestation, depending on the class of business. A $100,000 sub-limit for Fair Labor Standards Act claims (including defense cost and loss; state restrictions apply), punitive damages coverage (state restrictions apply), a broad definition of Wrongful Employment Act and free human resources hotline are also included.

Non Profit Directors & Officers Liability

Our product has a separate and additional limit for employment practices liability, thus protecting the directors and officers limit. Fiduciary Liability starts at $100 and our “occurrence feature” of a lifetime occurrence reporting provision for former directors and officers further differentiates our product. New coverage features include expanded defense and settlement language as well as the definition of loss, personal injury, breach of contract, final adjudication, most favorable venue and a 75/25 hammer clause.

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Public Officials Liability

coverage specifically designed for elected or appointed officials in special service districts. The product offers separate limits for Public Officials liability and optional Employment Practices Liability, defense costs outside each limit and low minimum premium and retentions.

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If you don't know your SRL Agency Code, please e-mail cmartin@specialrisksltd.com or call: 888-773-7475

Errors & Ommissions

Allied Healthcare Professional and General Liability

Targets over 40 allied healthcare professionals and entities including physical therapists, mental health counselors, social workers, day spas, massage therapists including reflexologists and home health aides. Separate claims-made professional and occurrence-based general liability limits include duty to defend wording, punitive damages coverage and an optional patient molestation defense sublimit. Limits are offered up to $1 million/$3 million with the option to purchase stand-alone professional.

Minimum premium: $425

Personal Lines Insurance Agents Errors &Omissions

Our product targets both standard and non-standard personal lines agencies, including life insurance agencies with up to $10,000,000 in premium volume. Defense costs outside the limit, personal injury protection and automatic coverage for independent contractors are just a few of the coverage features.

Property Managers Errors & Ommissions

Our unique form is tailored to meet the professional liability needs of both commercial and residential property managers. We offer three distinct coverages, each with a separate limit of liability: errors and omissions, tenant discrimination and employment practices liability. Our product offers coverage for up to 100% ownership interest in personally owned property. Premises Preferred Package is also available.

Real Estate Errors & Ommissions

Designed for real estate firms which derive at least 65% of their commission from residential real estate transactions. Discrimination and lock box coverages are automatically provided in the form. This competitively priced product provides coverage which competes with association-endorsed programs. Business Owners Package is also available.

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Specified Professions Errors & Omissions

Targets over 80 classes including advertising agencies, claims adjusters, collection agencies, landscape architects, employment agencies, event/meeting planners, human resource consultants, management/marketing consultants, tax preparers/ bookkeepers and tutors. Coverage includes duty to defend wording and personal injury coverage for all classes. Defense costs outside the limit, intellectual property coverage, contingent bodily injury/property damage coverage, defense-only sexual abuse/molestation coverage and the option to purchase a Businessowners Package available for select classes.

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Technology Professional Liability: SuperTek Pak

Targets a wide range of information technology professionals with up to $15,000,000 in revenue. We have expanded our guidelines to over 35 technology services, including web hosting services and custom software application service providers. Broad form coverage is also available, which enhances coverage for claims involving intellectual property, malicious code, personal injury, and unauthorized access. General liability and property coverages are also available. Full prior acts is available for most accounts.

Technology Professional Liability: Small Business. MicroTek Pak

The all-in-one policy for technology professionals with less than $500,000 in revenue and 3 or fewer consultants.Professional Liability and the Professional Office Package

Minimum Premium: $995

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Employed Lawyers/Attorneys

Errors and Ommissions coverage for Attorneys working as In-House Councel. Available for Private, Public, and Non Profit Companies

  • Moonlighting and Pro Bono coverage (for full time Attorneys)
  • Written on admitted form

Accountants Professional Liability

CPA and Non CPA Target Area of Practices

  • Bookkeeping
  • Compilation
  • Corporate Tax
  • Data Processing
  • Review (Private Company and Non Profit
Interested in becoming an SRL Agent?

Interested in becoming an SRL Agent? Contact us today.

Call Toll Free: 888.773.7475

Fax: 413.781.0050
Email: info@specialrisksltd.com
or contact us here