Program Highlights

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 • General Liability 

• Professional Liability 

• Products/Completed Operations 

• Contractual Liability 

• Employment Practices Liability 

• Property 

• Crime 

• Inland Marine 

• Auto 

• Umbrella 

• Bonds 

• Workers Compensation

 • 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. 

 • 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

 • 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 

• 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 

• 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