Eligible Risks Outpatient Facilities – Mental and/or Behavioral Health Including: Addiction counselors/interventionists, auricular acupuncture, case workers, health educators, marriage and family therapists, personal coaches, rehabilitation counselors, social workers, wellness counselors. EAP’s – Employee Assistance Professionals Hired by employers for the purpose of offering an assessment and referral service for employees with respect to behavioral health.
Ineligible Risks Residential Medical doctors Nurses Psychologists Recreational exposure Methadone clinis Prison exposures greater than 20% Applicants working with sex offenders, greater than 20% Applicants with a felony conviction within the past 5 years Applicants that have ever been convicted of violent felonies or sex abuse crimes Applicants requesting coverage for 1099 workers whom also provide services elsewhere Managed Care exposures
Coverages Comprehensive General Liability Carrier: ACE American Insurance Company $1,000,000 Per Occurrence $3,000,000 Aggregate $1,000,000 Personal & Advertising Injury $1,000,000 Products Completed Operations $ 100,000 Damage to Premises Rented to You Professional Liability Carrier: ACE American Insurance Company $1,000,000 Per Occurrence $3,000,000 Aggregate
Eligible Activities Location Based FECs, whose activities include, but are not limited to Video Arcades Miniature golf centers Soft Play Bumper Cars Driving Ranges Bowling Inflatable Rentals Stand Alone Bowling Centers Go-karts Laser tag Kiddie Rides Bumper Boats Paintball Water slides Ice Skating Rinks Roller Rinks Risks that Require Referral Mechanical Bull – Bungee rides – Trampolines
Ineligible Activities Hang Gliding Parasailing Traveling Rides Bungee Jumping Sky Diving Parachuting Skateboarding Hot Air Balloons Luge Night Clubs/Disco Velcro Jumps tobogganing These Activities Represent Automatic Declination
Coverages Comprehensive General Liability Carrier: Interstate Fire and Casualty ISO CGL Occurrence Form $1,000,000 Per Occurrence $2,000,000 General Aggregate Per Location $1,000,000 Products/Completed Operations per Occurrence $1,000,000 Personal/Advertisers Liabilty per Occurrence $1,000,000 Auto Non-Ownership $1,000,000 Employee Benefits Liability $ 2,500 Self Insured Retention (with higher and lower limits available) Umbrella Liability Carrier: Lexington Insurance Company $5,000,000 Per Occurrence $5,000,000 Aggregate Per Location Excess over General Liability limits and $ 500,000 Employer’s Liability $1,000,000 Automobile Liability Umbrella Enhancements: Additional Insured Endorsements Blanket of Waiver of subrogation 60 Days Notice & Knowledge of Occurrence Unintentional Errors & Ommissions Sexual Abuse/Molestation not excluded Pollution exclusion covers hostile fire
Coverages Property Insurance Carrier: Employers’ Fire Insurance Co. Covers:Real Property - including improvements & Betterments Personal Property - including EDP equipment Loss of Income - including Rental Value & Extra Expense Scheduled Property Floater Loss of Income:Specified Limit Equipment Breakdown:Included Property Enhancement Endorsement:Included Employee Dishonesty:$5,000, $10,000, $25,000 Monies & Securities:$5,000, $10,000, $25,000 Perils:Special causes of Loss, including back-up of sewers & drains Flood$500,000 Except in Tier 1, Flood Zones A Earthquake$500,000 Except in Tier 1, Flood Zones A Valuation: Replacement Cost Coinsurance:80% or agreed Value Deductible:$1,000 Real & Personal Property Crime$500 (increases if higher limit selected) Sched Prop Floater$500 Windstorm5% windstorm in Tier 1 Counties/Locations Flood & Quake$25,000 each
Coverages Accident Insurance Carrier: National Union Fire Insurance Co. Covers All Customers/Attendees on the premises of a Policyholder Facility. Accident Medical/Dental Expense- $ 10,000 Accidental Death & Dismemberment (AD&D)- $ 10,000 Aggregate (applies to AD&D only)- $100,000 Deductible None This policy can absorb the Self Insured Retention costs that may be incurred as a result of medical only claims that would fall under the General Liability policy.
Eligible Classes Habitational Classes: Residential Condo Associations Residential Apartments Town Home/townhouse Associations Cooperative Apartments Commercial Classes: Office Buildings Shopping Centers and strip Malls Light industrial and warehouse Lessor’s Risk Only Special Consideration for: Hotel/Motel/Casino and Resort exposures
Ineligible Classes Referrals Restaurants Golf Courses Marina or Marine Partially Subsidized or low- income housing Senior Housing Vacant buildings Schools Over 25 Stories Kick Outs Assisted living facilities 100% Subsidized or low income housing
$100M Excess Over: General Liability Auto Liability Employers Liability Directors & Officers (for non-profit condo and co-operative boards) And more… Program Offerings
Carriers and Limits Flexible “tower” options for all spectrum of needs. Admitted Tower: $25M – Chubb $25M XS $25M Fireman’s Fund $25M XS $50M Ace $25M XS $75M Chubb Tower Advantages: Full Admitted Carriers Follow Form Lead up to $50M Follow Form Mold up to $100M Non-Admitted Tower 1: $10M – American International Specialty Lines $25M XS $10M Lexington $15M XS $35M Fireman’s Fund $25M XS $50M Lexington $25M XS $75M Navigators Non-Admitted Tower 2: $15M – Catlin $20M XS $15M Lexington $15M XS $35M Fireman’s Fund $25M XS $50M Lexington $25M XS $75M Navigators Tower Advantages: Follow Form Lead up to $100M Silent on Mold up to $15M Flexible Coverages and Pricing
COMING SOON $5M limit options $200M in Limit Capacity Online quote and bind system