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Kristen TaylorNational Marketing Director Email: ktaylor@usgins.com
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Small Business Professional
| Directors & Officers/ Employment Practices Liability > Community Association Product > Corporate D&O Liability > Medical Providers > Non Profit D&O Liability > Public Officials |
Errors & Omissions > Insurance Agents E&O > Property Managers E&O > Real Estate E&O > Recruiters Professional Liability > Specified Professions E&O > Technology Professional Liability |
Click the categories below for a brief description of our products. For claims examples, customizable marketing pieces and application for your agency click the tabs above. |
Directors & Officers/Employment Practices Liability
> Community Association Product
• Small to Medium size associations up to 1000 units and up to $1M in average unit value
• Coverage features include automatic naming of Property Management
Company as Additional Insured, Third Party Harassment and Discrimination
Coverage, as well as Non-Monetary coverage and Defense coverage for Breach of Contract claims in most states
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> Corporate Directors & Officers Liability
• Designed for private companies with up to $350 million in assets and up to
500 employees
• Separate Directors and Officers and Employment Practices Liability limits,
Employment Practices Liability defense outside the limit (up to 200
employees), and full entity coverage
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> Employment Practices Liability
• Designed for employers with up to 200 employees, includes defense
outside the limit, and offers third party discrimination and punitive
damage options
• Full prior acts coverage is available for most accounts
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> Medical Providers
• Designed to meet the complete needs of a doctor or dentist office by providing Employment Practices Liability, Third Party Discrimination (failure to treat a patient), and defense protection for allegations by a patient of sexual misconduct
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> Non Profit Directors & Officers Liability
• Separate and additional limit for Employment Practices Liability, protecting
the Directors and Officers limit
• Fiduciary Liability starts at $100
• Our “occurrence feature” with unlimited reporting period for former directors
and officers
• New coverage features include Outside Directorship Liability, Coverage for
Non-Monetary Claims and a 50/50 Hammer Clause
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> Public Officials
• Public Officials Liability coverage specifically designed for elected or appointed officials in Special Service Districts
• Separate limits for Public Officials Liability and optional Employment Practices Liability, defense costs outside each limit, and low minimum premium and retentions
Errors & Omissions
> Insurance Agents Errors & Omissions
• Targets both standard and non-standard personal lines agencies, including
life insurance agencies with up to $10M in premium volume
• Defense costs outside the limit, personal injury protection, and automatic coverage for independent contractors are just a few of the coverage features
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> Property Managers Errors & Omissions
• Commercial and residential property managers
• Separate Limit of Liability for Errors and Omissions, Tenant Discrimination and Employment Practices Liability
• Up to 100% ownership interest in personally owned property
• Premises Preferred Package is also available
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> Real Estate Errors & Omissions
• Designed for real estate and/or appraisal firms which derive at least 65% of their commission from residential real estate transactions
• Discrimination and Lock Box coverages are automatically provided
• Business Owners Package is also available
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> Recruiters Professional Liability
• For permanent employment placement agencies
• Offers separate limits for Errors and Omissions, Employment Practices
Liability with duty to defend wording and defense outside the limit
• Optional Third Party Discrimination is also available when Employment
Practices Liability is purchased
• Business Owners Package coverage is also available
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> Specified Professions Errors & Omissions
• Targets over 70 classes including Management Consultants, Mortgage
Brokers, Claims Adjusters, Human Resources Consultants, Marketing Consultants, Tax Preparers, and Bookkeepers
• Coverage includes duty to defend wording, defense costs outside the limit, personal injury for most classes, and an option to purchase Business
Owners Package for most classes
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> Technology Professional Liability:
• Targets information technology professionals with up to $10M in revenue
• Optional broad form coverage is also available, which includes coverage
for claims involving intellectual property, malicious code, personal injury,
and unauthorized access
• General Liability and Property coverages available