Defense Costs in addition to the limit of liability
Insolvency coverage included in policy for placement with carriers rated B+ or better by A.M. Best or carriers covered by a state guaranty fund
Deductible Reduction feature: Ability to reduce your deductible by 100% on each claim
$20 million limit capacity available
Catastrophe Extra Expense coverage limit options up to $100,000/$250,000 though policy endorsement
Broad duty to defend even if claim or potential claim is groundless, false or fraudulent
Broad definition of “Professional Services"
Other Related Services coverage includes the agency's advertising, notary public and carrier draft authority activities
Claims-made policy form with broad claim reporting provision
Ability to provide full prior acts coverage for acquired entities
Protection for innocent insureds
Aggregate or Each Occurrence deductible options available
First & Third Party Breach of Data coverage included in policy form
Unlimited subpoena coverage outside the limits of liability
Regulatory Defense coverage limit of $100,000
Multiple Extended Reporting Period options are available
Expansive definition of Insured includes current and former employees, independent contractors and leased or temporary employees
Reimbursement for loss of earnings or use of temporary staff due to attending depositions or trials provided at $1,500 per insured per day/maximum of $75,000 per policy period
Punitive and exemplary damages included where permitted by law
Personal Injury definition includes false arrest, detention, humiliation, libel, slander and wrongful entry of a premise or dwelling
Optional coverage available for EPL, Real Estate E&O and agency's ancillary services
Liberalization clause for broadened policy provisions
Insured's consent required to settle any claim
No contractual liability exclusion
Worldwide coverage