Program Highlights
Lines Of Coverage Offered
• General Liability
• Professional Liability
• Products/Completed Operations
• Contractual Liability
• Employment Practices Liability
• Property
• Crime
• Inland Marine
• Auto
• Umbrella
• Bonds
• Workers Compensation
A Specialized Insurance Program For
• Treating commercial, industrial, institutional, healthcare, hospitality, recreational, or residential clients
• Applying chemicals inside structures and their surrounding grounds.
• Insect control, including termites, ants, roaches, hibernating insects, bees, wasps, and other bugs.
• Nuisance wildlife, rodent, bird, and other small mammal removal.
• Pest control inspections and consultations.
Requirements Of This Program
• License or certification as required by authorities.
• Chemical and pollution coverage subject to compliance with all state and federal laws.
• Acceptable three- to five-year loss history.
• A $500 property damage deductible per claim applies.
• New ventures acceptable with 2 years experience in industry
• Owner-operators without employees are accepted
Liability Coverage May Include
• Limits up to $1 million occurrence/$3 million aggregate
• E&O Professional Liability at policy limits • Pollution Liability – broadened coverage for autos up to policy limits
• Pollution Coverage on General Liability at policy limits (subject to compliance with all state and federal laws)
• Wood destroying insect (WDI) or wood destroying organism (WDO) inspections. • Lost Key coverage at $5,000 limit
• Premises and Completed Operations
• Employees as Additional Insureds
• Employment Practices Liability (claims-made coverage)
• Fire Legal Liability
• Medical Expenses – $5,000
• Personal and Advertising Injury
• Newly-Acquired Organization – 90 days
• Employee Benefits (claims-made coverage)
• Contractual Coverage
• Plus Pak Liability endorsement
Optional Coverages Include
• Umbrella – limits up to $10,000,000
• Electronic Media and Records Business Interruption coverage
• Crime – Employee Dishonesty – $25,000 maximum limit
• Mobile Equipment
• EDP coverage
• Installation floaters
• Equipment and tool floaters
• License and Permit Bonds
• Business Service Bonds
• ERISA Bonds
• Auto
Property Coverage May Include
• 4% inflation guard on buildings
• Equipment Breakdown on building and contents
• Agreed Value on buildings
• Platinum Pak Property endorsement
• Blanket Insurance
• Business Income (with extra expense and 0 hour waiting)
• Replacement Cost
• Utility service – direct damage
• Utility service – time element