Executive Perils

Employment Practices Liability (EPL)

Eligibility for Quote N Bind Ž:

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 Ž:

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 Ž:

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 Ž:

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

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.