• Replacement Cost Coverage for Stock
• Accounts Receivable
• Business Income
• Computer Equipment
• Covered Property Distance from Premises Increased to 1,000 Feet
• Equipment Breakdown including Spoilage up to $250,000
• Employee Theft
• Extra Expense
• Fine Arts
• Fire Department Service Charge
• Fire Protection Equipment
• Money and Securities
• Outdoor Property
• Outdoor Signs
• Personal Effects and Property of Others
• Pollutant Clean Up
• Property in Transit
• Property Off Premises
• Reward Payment
• Spoilage
• Valuable Papers and Records
• Walks, Patios, or Other Paved Surfaces, Foundations of Buildings or Structures, and Underground Pipes, Flues or Drains
• Water Back Up Or Overflow From Sewer, Drain or Sump
• Wind and Hail Coverage

• $5,000,000 TIV per Location
• $250,000 Theft

• Minimum Deductible: $2,500
• Split Deductibles Available

• Duty to Defend policy language
• Third party liability coverage for claims brought by non-employees for harassment or discrimination
• Modified settlement clause (80% / 20% coinsurance)
• Damages include punitive or exemplary damages up to the limit of liability, where insurable
• Broadened definition of claim to include tolling agreements
• Immigration Reform Control Act endorsement (IRCA)
• Sublimit available for Costs of Defense of Wage and Hour claims
• Sublimit available for privacy violations

$500,000 to $2,000,000

$25,000

Policyholders receive complimentary loss prevention tools that include a hotline and dedicated website.

• Toll-free hotline providing basic workplace issue consultations
• Policyholder accessible website containing articles, sample documents, and loss prevention resources

**Firms up 200 employees. Will consider accounts with claims up to $25,000

Much of your business can be done through a self-service online portal. For items that cannot, an experienced team will handle your questions and requests. A strong ownership mentality and highly knowledgeable team ensure that your business is handled quickly and correctly. The person who answers your call will service your request, or find the person who can, without passing your call along like a traditional call center.

Best-in-class claims management

Your claims will be handled by a team that has achieved some of the best results in the industry. Through comprehensive investigation of all losses and a focus on directing care, injured workers receive the care they need while keeping claim costs to a minimum. You will be able to utilize a large network of doctors, medical providers, registered nurse case managers and pharmacies. 24/7 claims reporting and a self-service portal allow customers and agents to file a claim, find a check or get adjuster information at any time.