Provides coverage for your organization, employees and volunteers against claims of negligence.

• Occurrence or claims-made forms available
• Defense costs outside the limits
• Our broad “Who is an Insured” definition automatically includes volunteers
• All policies include Catastrophic Violence Response
• Coverage for violent incidents

Optional coverages:

• Legal Defense Coverage - Provides coverage for defense costs which are not normally covered by other insurance policies or our policy coverage forms.
• Increased limits for medical payments

Protects your directors, officers, trustees and other elected members of your governing body against allegations of wrongful acts.

• Our broad “Who is an Insured” definition includes
  spouses if named in a covered lawsuit
• Includes coverage for disputes between affiliated entities

Optional coverage:

• Educators’ Liability Endorsement

Provides coverage for your organization and professionals against liability sustained resulting from errors and omissions while performing their professional duties.

• Occurrence or claims-made forms available
• Defense costs outside the limits
• Our broad “Who is an Insured” definition covers a number of positions

Provides liability protection for claims involving actual or alleged acts of sexual misconduct or molestation.

• Occurrence or claims-made forms available
• Defense costs outside the limits
• Covers your organization, members, officers, board members, employees and volunteers acting within the scope of their duties
• No-fault Medical Expense coverage, which can be used to pay for professional treatment of injury (including counseling) resulting from sexual misconduct or sexual molestation incidents.

Provides reimbursement in the event of damage to a structure and its contents by fire, theft and weather damage.

• Large in-house limits available
• Backup of sewers and drains is included, up to policy limits
• Equipment breakdown is included, up to policy limits
• Optional coverages:
• Agreed value without coinsurance requirements
• Limited flood coverage*
• Earthquake or earthquake sprinkler leakage coverage

Protects against financial loss in the event of an automobile accident or theft and pertains to vehicle damage as well as bodily injury.

• Business Auto Supplemental Coverages Endorsement is included - features supplementary death benefit, replacement cost coverage for new cars, limited waiver of collision deductible, loss to multiple autos and accidental deployment of an airbag
• Optional coverages:
• Hired and Nonowned Automobile Liability Coverage
• Emergency road service coverage

An umbrella liability policy is designed to protect your organization from major claims, providing higher limits of insurance for such things as general and automobile liability exposure.

• Occurrence or claims-made forms available
• Defense costs outside the limits
• Large in-house limits available

Our workers’ compensation insurance policy supports your organization’s employees should they be injured during the course of their employment.

• A dividend program is available to insureds with qualified annual workers’ compensation premiums of $10,000 or more

• Crime
• Inland Marine