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DIRECTORS AND OFFICERS
LIABILITY
Standard Coverage Includes:
- Worldwide coverage
- Coverage non-cancelable by insurer,
except for non payment of premium
- Duty to defend
- Bilateral discovery
- Continuity of coverage granted where
previous coverage maintained
- Automatic coverage for any newly
created or acquired subsidiary (no asset
threshold)
- Spousal extension
- Multi year policy available with annual
installments
- No coinsurance required
- No Hammer Clause
- Full entity coverage
- Broad coverage for most private
securities claims
- No limitation of coverage for punitive
or exemplary damages when insurable by
law
- Outside directorship coverage for both
for and not for profit organizations
- Functional equivalent coverage for
foreign entities
- Broad definition of claim including
written or oral demands
- No failure to maintain insurance
exclusion
- Final adjudication requirement in
dishonesty exclusion
Limits from $1,000,000 and up
Minimum premium: $2,500
Please note that some of these coverages
may not be offered by all insurance
companies
EMPLOYMENT PRACTICES
LIABILITY
Broad coverage language for employment
related claims such as:
- Discrimination
- Harassment
- Hostile Work Environment
- Wrongful Termination
- Failure to hire or promote
- Inappropriate employment conduct such
as:
- Wrongful demotion
- Retaliation, libel, slander
- Defamation, humiliation
- Emotional distress, mental
anguish
- Wrongful discipline, false
imprisonment, negligent evaluation
- Invasion of right privacy
- Deprivation of career
opportunity
- Named insured includes entity,
partners, officers & spouses, managers,
supervisors and employees, temporary and leased
workers and independent contractors.
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Worldwide territory for acts
committed and suits brought anywhere in the
world
-- Insured event
includes class action lawsuits
-- No
intentional acts exclusion
-- Insured
consent to settle
-- Third party
coverage
-- Punitive
damages
-- Duty to
defend, pay on behalf
-- Full prior
acts coverage
-- Risk
management tools provided
-- 30 minutes a
month of EPL legal advice
We can consider any type of business with
any number of Employees no matter how big or
small.
Limits from $250,000 and up
Minimum premium: $1,200
NON PROFIT ORGANIZATION
LIABILITY
We can write all Classes of business
including Condominium/ Homeowners
Associations
Standard Coverage Includes:
- Entity coverage for claims made against
the organization itself, even if no directors or
officers are named in the claim
- Coverage for all
directorsm trustees, officers, employees,
volunteers, staff, or committee members, and
spousal
coverage
- Defense costs outside limit
- Full prior acts coverage
- Broad definition of claim includes
written demand for monetary or non moneraty
relief, including civil, criminal,
administrative proceedings
- Duty to defend
- Personal injury for libel, slander,
defamation of character, invasion of privacy,
and infringement of copyright, trademark,
plagiarism, or misappropriation of
ideas.
- Worldwide Coverage
- Deductibles available from
$0
- Non cancelable by insurer, except for
non payment of premium
- Option 3- year policy
- Fiduciary liability insurance coverage
available by endorsement
CLASSES FOR PROFESSIONAL
LIABILITY
CLASSES
Abortion Clinics
Acupuncturists
Air Medical Transport
Agricultural Consultant
Alarm System Design
Alcohol & Drug Rehab
Ambulance Services
Ambulatory Surgical Ctrs
Analytical Laboratory
Animal Behavioral Conslt.
Answering Service
Architects
Asbestos Inspector
Audio Consultant
Automobile Appraiser
Beautician
School
Claims Adjuster
Claims Administrator
Clinical Trials
Collection Agency
Computer Consultant
Construction Management
Contract Personnel Service
Convention Management
Cost Containment Consultants
Court Reporting Service
Crematory Operations
Diet
Center
Dispatch
Center
Draftsman
Drug Testing Program
Education Counselor
Electronic Data Processor
Elevator Inspector
Emergency Dispatch Services
Employee Benefit Consultants
Employment Agency
Engineers (all types)
Environmental Consultants
Environmental Testing Labs
Executive Search
First Aid Treatment Training
Fitness Consultant
Fountain Consultant
Forensic Testing
Forestry Consultant
Free Standing Emerg. Rm.
Geologist
Geotechnical Engineer
Golf Course Designer
Grief Recovery Consultant
Guide Dog Training
Handicapped Workshop
Hazardous Waste Consultant
Health Clinic (Outpatient)
Hearing Impairment Clinic
Home Health Care
Hospital (Except General)
Hydrologist (Ground Water)
Insurance Adjuster
Insurance Agt. & Brkr.
Insurance Inspection Service
Insurance Loss Control Insp.
Interior Decorator &
Designer
Irrigation Consultant
Kidney
Dialysis
Center
Land Surveyor
Landscape Architect
Lighting Design
Loss Control Consultant
Managed Care
Management Consultant
Market Research Consultant
Medical Clinic
Mental Health Services
Mental Retardation Facilities
Mobile Diagnostic Lab
Mortician
Nanny Placement Service
Non Destructive Testing
Notary Public
Nurses Registry
Occupational Safety Mgt.
Optometrist
Paramedics/ EMT
Pathology Lab
Personal Property Appraisals
Personnel Agency
Pest Control
Consultant
Pharmaceutical Consultant
Physicians Surgeons &
Dentists
Preferred Providers Org.
Project Management
Physical Therapy Clinic
Plasmapheresis
Center
Psychiatric Facilities
Radiation Safety Consultant
Rehabilitation
Center
Research Laboratory
Respiratory Testing
Respiratory Therapist
Safety Consultant
Schools Allied Health
Security System Consultant
Social Introduction Service
Social Service Agencies
Software Developers
Speech Therapists
Sperm Banks
Structural Engineer
Substance Abuse Consultant
Tax Preparers
Testing Labs (Medical,
Environmental)
Telecommunications Conslt.
Third Party Administrators
Title Insurance
Agents/Abstractors
Traffic Consultant
Transportation Program Mgt.
Travel Agent
Underground Utility Locator
Utilization Review Consultant
Vocational Rehabilitation
Water Testing Lab,
Weight Loss Clinic
Wildlife Consultant
X-Ray Lab
Although we attempted to include all
classes we are willing to consider, this
list should not be considered
exhaustive.
CLASSES FOR MEDIA/
COMMUNICATIONS
LIABILITY
ADVERTISING
Advertising Agencies
Advertisers
BROADCASTERS
Documentaries
Industrial Training Films
Commercials
Educational Films
Television Programs
Motion Pictures
Radio
CYBERSPACE/ ONLINE
Online Publishers
Internet Access Providers
Commercial Online Services
Electronic BBS
Web Site Developer
Web Page
PUBLISHERS
Newspapers
Magazine/ Periodicals
Books
Commercial Printers
Software Publishing
Limits from $1,000,000 and up
Minimum Premium: $1,500
Please note that some of
these coverages may not be offered by all
insurance companies.
ERRORS & OMISSIONS
COVERAGE
Bliss & Glennon has a growing list of
markets to write a wide variety of risks in
admitted as well as non-admitted markets. We can
write harder to place risks such as:
Accountants
Attorneys
Environmental Consultants
Miscellaneous Medical
Mortgage Brokers
Real Estate Agents
Limits & premiums may vary by class
and by market.
Miscellaneous professional liability on
almost every class you can think of... refer to
previous page...Remember if you don't see it on
the list-
that doesn't mean that we can't write
it.
Some of our best selling
classes:
- Computer Consultants
- Architects & Engineers
- Miscellaneous Medical (Testing labs,
Ambulance risks)
- Environmental Engineers
Limits and premiums vary by class &
by market
Minimum Premium as low as
$1,000.00
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