SRL Special Risks Limited Insurance Center

Professional Liability/ D&O/ EPL

D&O / EPL Non-Profit
EPL
Product Liability E & O and D&O
Medical

Programs available in New England and NY State

D&O / EPL Non-Profit

Online Quotes
Covers the entity, all directors, trustees, officers, employees or staff members, including executive board members and committee members. Policy written on a duty to defend basis.

Zero Retention for organizations with less than 10 employees Not-For-Profit Organizations of ANY SIZE eligible For-Profit Firms with up to 250 employees eligible

2 Year Annual Installment Policy Available
No Financials required for insured with less than $1Mil in assets and $250K in salary expenses Excellent Claim Service

Liability Limits: $500,000 - $10,000,000

Min Premium: $700

Click here to Log-in to quote online

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

EPL

SRL Employment Practices Liability Insurance (EPL) program covers virtually every industry segment. It is especially designed for the needs of employers with less than 500 employees. Examples of EPL risks we have recently written:

• Manufacturer of school supplies.
• Physician's office with 55 employees.
• Wholesale distributor of hairpieces.
• Hotel with full and part-time employees.
• Law firm with 45 employees.
• Athletic club with full and part-time employees.
• Wholesale beverage distributor.

Product Liability

Flexible Liability Coverage for Manufacturers, Sellers or Distributors of wide range of products. Hard-to-place products exposures, New Products and New Companies are eligible

Insurer: A M Best A Rated Carrier
Limits: up to $ 5 Mill/ $5Mill
Minimum Premium: $ 1,000

Examples of Products Written:
Helmet Manufacturing, Skin Care Products, Over the counter drugs, Bullet Proof Vests, Pet Care products, Buffalo Burgers, Food Products.

Coverage Options:

Product Liability Only Product Liability with Vendors and /or Product Recall

 

Special Features:

• Specialize in Hard-to- place products exposures
• New Products and New Companies eligible
• Discontinued products coverage available
• Flexible terms and conditions

Professional Liability. E & O. D&O

SRL offers professional liability insurance coverage for individuals working or consulting in a wide variety of fields. Following are the categories of professional liability coverage we write and examples of risks recently written:

Architects & Engineers

• One person architectural firm. Coverage for one small project only.
• Firm that builds museum exhibits designed by another company.
• Small design/build firm specializing in electrical layouts. In business for 20 years.
• State turnpike authority for highway planning.

Financial Institutions

• Insurance Companies E&O coverage for a small health, life, dental, vision and disability insurance carrier.
• Agents and Brokers E&O coverage for an independent insurance agency.
• Mutual Funds/Investment Advisory coverage for a small investment advisor. Does not manage accounts, only advises.
• Mutual Funds/Investment Advisory coverage for an investment advisor with two portfolio managers.

Lawyers Professional Liability

• Ancillary legal services operation providing paralegal services for attorneys only, document preparation, tax liens and document filing. No attorneys on staff.
• Attorney starting own business. Was named in a claim with a former law firm.
• Small law firm employing six attorneys, 10 support staff and three paralegals.

Miscellaneous E&O

• Nanny employment service recruiting U.S. college graduates.
• Producer of television programs dealing with home & garden and popular science themes.
• Education technology consultants for grades K-12 and higher.
• Minister doing religious-themed cable TV program from home.

Medical

Medical Malpractice

Medical Malpractice coverage is one of our core offerings. With nearly 30 years of experience, we excel in writing hard-to-place healthcare coverages. We specialize in coverage for physicians who cannot find insurance in the standard market due to substance abuse, disciplinary actions or as a result of claims. We are also an excellent market for physicians who are working in experimental or highly technological areas of medicine. Examples of risks we have recently written follow:

• Foreign graduate physician doing an externship with a hospital.
• Family practice osteopathic physician formerly treated for chemical dependency.
• Orthopedic surgeon with prior claims involving back surgeries.
• Locum tenens operation involved with placing radiologists in temporary positions.
• Board certified plastic surgeon with excellent credentials and a teaching appointment at a university medical school.

Specified Medical

Our Specified Medical coverage is targeted to a wide variety of medical facilities and professionals engaged in direct client care. Types of facilities we cover include outpatient clinics, medical training schools, organ banks and diagnostic imaging labs. Medical and allied professionals include physical/occupational therapists, social workers, psychologists, counselors, chiropractors, acupuncturists and registered nurse anesthetists. Examples of some of the risks we have covered in this arena include the following:

• Treatment center that provides methadone maintenance.
• Business that provides psychological testing.
• Company that casts and fits knee braces and other orthopedic support products.
• A sole naturopathic physician in practice for 35 years.
• A family clinic with six naturopaths involved with natural childbirth.
• Company that manufactures in-home personal gene sample harvesting kits.