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Property & Liability


  • Automobile Liability: This program covers Liability and Physical Damage exposures resulting from the ownership, maintenance or use of covered automobiles.
  • Difference in Conditions Coverage: This coverage is typically written to cover the perils of Earthquake and Flood as an addition to the Insured’s Property insurance program.
  • Directors and Officers Liability: This program provides coverage for the Wrongful Acts of the Directors, Officers, Trustees and employees in connection with the business decisions made in their capacity with the organization. Coverage may be available for the Organization as well as its Directors and Officers. It protects the Personal Liability exposure of the individuals when acting in good faith as a Director or Officer, Trustee or employee.
  • Equipment Maintenance Insurance Programs: This product is designed to contain and reduce equipment maintenance costs and provide maintenance budget protection, asset management and other tools for long term success. The program combines components of insurance and self insurance retentions to minimize equipment service costs.
  • Fiduciary Responsibility Insurance: This insurance provides coverage for a breach of fiduciary duty by the Insured as respects the Employee Benefit Plans provided to its employees and also covers negligent acts, errors or omissions in connection with the administration of Employee Benefits.
  • Healthcare Professional Liability: This program provides coverage for the Professional and General Liability exposures of a Healthcare organization. It provides coverage for Healthcare services and committee activities; Bodily Injury and Property Damage; Personal Injury; Advertising Injury; and Employee Benefit Liability coverage. Coverage can be provided on a Modified Occurrence or Claims Made policy form with low deductible options up to a Self Insured Program providing Excess coverage over the Self Insured Retention (SIR).
  • Managed Care Errors & Omissions Liability: This program provides coverage for wrongful acts in connection with managed care operations. It includes coverage for such activities as review of healthcare services; utilization review; claims handling; provider selection and contracting; and marketing. Coverage can be provided for all types of managed care organizations such as HMOs, IPAs, MSOs, PPOs and PHOs.
  • Property Insurance: This insurance covers the direct and indirect exposures to loss of organizations for their Buildings and Contents, Equipment, EDP, Business Income and Extra Expense. Boiler and Machinery and Crime Coverages are also available separately or as part of the Property policy.