Employment Practices Liability (EPL)

 
Eligibility for Quote N Bind ®:
  • Up to 200 employees
  • No more than 2 claims (total less than $25,000)
  • Can not have 50% of employees earning over $75,000
  • No: LA, AK, HI
  • No: Adult Entertainment, Attorneys,  Bars, Colleges, Construction, PEO's, Staffing Agencies, Entertainment, Hospitals, Nursing Homes, Security Guard, Stock Broker, (Insurance Agents, Car Dealerships) Submit
  • No Foreign Exposure

 

   Coverage Highlights:
  • Defense Costs Outside/Unlimited
  • Duty to Defend
  • Full Prior Acts Available
  • Policy is Non-Cancelable Except for Nonpayment
  • Third Party Coverage Available
  • A++ Rated
  • Wrongful Act Definition has 12 named perils
  • Free Unlimited Helpline
  • Online Sexual Harassment Training
  • Value Added Services [ Link ]
  • Multi Quote Options Provided
   


Non Profit Directors & Offices and EPL

 
Eligibility for Quote N Bind ®:
  • Under 200 employees (part time count as 1/2)
  • No more than 2 claims (total less than $25,000)
  • No: LA, AK, HI
  • No: Adoption, BBB, Blood Bank, Board of Realtors, Credit Reporting, College, Foster Care, Fraternity/Sorority, Gaming, Hospital, Municipality, PAC, School District, Union, Urban League
  • No Foreign Exposure

 

   Coverage Highlights:
  • Separate Limits for D&O and EPL
  • Defense Outside the Limit
  • Third Party Sexual Harassment and Discrimination Coverage
  • Coverage for Both Monetary and Non-Monetary Claims
  • Coverage for Outside Directorship Liability
  • A++ Rated
  • Multi Quote Options Provided
   


Real Estate Agents E&O

 
Eligibility for Quote N Bind ®:
  • Under  50 agents/brokers
  • Under $5 million in commission income
  • No income from construction/development
  • No firms deriving more than 10% of income from 1 location
  • Average property sold cannot exceeds $600,000
  • No: AK, CA, CO, IA, LA, HI, KS, NE, NM, TN, TX
  • No Foreign Exposure
  • Principal has 5 years licensed or more
   Coverage Highlights:
  • Defense Outside the Limit/Unlimited
  • $150,000 Coverage for Allegations of Discrimination
  • Coverage for Personal Injury
  • Internet Coverage
  • A++ Rated
  • Full Prior Acts Coverage Available
  • $25,000 Lock Box Coverage
  • Up to $5,000 for defense of Insured in front of Licensing or Regulatory bodies
  • Multi Quote Options Provided
   


Community Associations D&O and EPL

 
Eligibility for Quote N Bind ®:
  • Up to 500 Units
  • Average unit value > $500,000
  • 2 or more claims
  • No: Builder, developer, or Agent on Board
  • No: Airports, Airstrip, Country Club, Golf Course, Sewage Treatment Facility
  • No Time Share
  • More than 70% of units sold
  • No: LA, AK, HI
  • No Foreign Exposure

 

   Coverage Highlights:
  • Manager/Management Company Automatically Named as an Additional Insured
  • Breach of Contract Coverage
  • EPL Included for No Additional Premium for 10 Employees or Less
  • Defense Outside the Limit
  • No Exclusion for Libel, Slander, or Defamation
  • A++ Rated
  • Non Monetary Coverage (Most States)
  • Unlimited Extended Reporting Period (ERP) for Former Ds & Os
  • Multi Quote Options Provided
   
   


MicroTek Pak (Technology E&O with BOP)

 
Eligibility for Quote N Bind ®:
  • Designed for small technology firms with up to $500,000 in revenue
  • Up to three consultants
  • Eligible classes include Software Developers, Website Designers, Help Desk Services and many, many more!
  • Admitted terms are now available in AL, AR, AZ, CA, CO, DC, DE, GA, ID, IN, IA, IL, KS, KY, MI, MO, MN, MS, MT, NE, NC, ND, NH, NJ, NM, OH, PA, RI, SC, SD, TN, UT, WI, and WY.

 

   Coverage Highlights:
  • A single policy that includes Errors & Omissions and a Businessowners Policy (includes General Liability & Property coverage).
  • Coverage for bodily injury and property damage arising out of Professional services. No more coverage gaps!
  • Personal Injury, Unauthorized Access & Malicious Code coverage built into the form.
  • eRisk Hub - Free Service Provided to All Technology E&O policyholders
  • A++ Rated
  • Multi Quote Options Provided
   

Coverage provided by: United States Liability
a Berkshire Hathaway Company
A.M. Best Rated: A++

     
 

Provided for overview purposes only. The information on this page does not amend, extend or alter the coverage afforded by the Policy. Please see policies / endorsements for exact terms, conditions and exclusions. Always seek outside legal opinion when making important contractual decisions.

 
 
Copyright © 2007 Executive Perils Insurance Services, All Rights Reserved.   Privacy Statement