Improper Sexual Conduct Liability – Coverage Endorsement that protects an organization against claims alleging negligent supervision resulting in improper sexual conduct
Professional Liability Insurance Covers an organization and staff for amounts it must pay as damages because of the professional services rendered. Claims can be made for either bodily injury or non-bodily injury allegations, depending on the services rendered. While most liability is typically based on failure to act as a “reasonable person”, many services provided in a professional manor are held to a higher standard by virtue of their training and credentials. Anytime an individual or an organization holds itself out as “The Expert” and advises the public to act or directs actions, it has some exposure to claims arising out of the information given
Employee Benefits Liability- Add-on coverage for negligent administration of an employee benefit plan.
Special Events Coverage – Add-on coverage for events that are specifically excluded in the liability insurance policy
Cyber Security/Liability – Cyber and Privacy policies cover a business’ liability for a data breach in which the firm’s customers’ personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm’s electronic network
Crime (Employee Dishonesty) – Coverage for costs of employee theft and third-party theft. May also add:, client and expense coverage, premises, in transit, forgery fraud such as computer, funds transfer, money order, counterfeit currency, and credit.
Terrorism Coverage – Typically, an add-on coverage with the GL and/or property; provides coverage for damaged or destroyed property—including buildings, equipment, furnishings and inventory. It may also cover losses associated with the interruption of your business, and cover liability claims against your business associated with a terrorist attack
Fiduciary Liability – Coverage for the organization and plan trustees (fiduciaries) resulting from allegations of negligent management of the assets of employee retirement, pension, and welfare plans under ERISA.
Volunteer Liability/Accident/Auto – Coverage if volunteers injure someone, injure themselves, or have an auto accident while performing duties during their volunteer assignment.
Student/Volunteer/Participant Accident Insurance – Accident insurance provides reimbursement of medical expenses incurred as a result of an injury to a student/volunteer/participant (depending on the specific coverage) on a no-fault basis.