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Our
Professional Liability insurance policy is written by Chubb
Executive Risk Indemnity Inc. (A.M. Best: A++ Standard
& Poor’s: AA Moody’s: Aa1) The policy was designed
specifically for our industry and covers all the predictable risks.
OUR
PROFESSIONAL
LIABILITY
COVERAGE:
LIMITS
OF LIABILITY
UNDER
POLICY
8168-5882 (10/05/03 -
10/05/04)
Policy Limits:
$2,000,000 - General
Aggregate Limit
$1,000,000 - Each Occurrence Limit
$1,000,000 - Personal and Advertising Limit
$250,000 - Fire Damage Legal Liability Limit
$5,000 - Medical Expense Limit
Deductible: -0-
No deductible
Sublimits: None
Claims Type:
Claims based on occurrence, not "claims made."
LIABILITY
COVERAGE:
Comprehensive General
Liability Insurance including the following special coverages:
Errors & Omissions *(Real
Professional Liability covering all losses including financial
losses.)
Broad Form Property Damage *(Coverage for
damage to protected property.)
Lost key coverage
Mobile Equipment Extension
Theft Extension *(Property Damage extended
to include theft of property.)
Incidental Medical Malpractice
Assault & Battery (Coverage for
physical force to protect persons or property.)
Including the following
standard coverages:
Personal Injury (False Arrest, libel, slander, et cetera.)
Blanket Contractual
Employees Added As Additional Insureds
Independent Contractors
Products/Completed Operations
EXCLUSIONS,
LIMITATIONS AND
ENDORSEMENTS:
Millennium Endorsement
Canine Exclusion
Contractual Liability Limitation
Liquor Establishments Exclusion
Securities & Financial Interest
Exclusion
Employment Related Practices Exclusion
Nuclear Liability Exclusion
AVAILABILITY
OF ADDITIONAL
INSURED
ENDORSEMENT:
In cases where we provide
an ongoing high volume of work for a client, or are assigned a case
which will involve extensive field work or provide unusual risk, we
are able to add protection for the client by obtaining an Additional
Insured Endorsement under our policy. The certificate provided
to such clients will read, "Certificate
holder is included as an additional insured with respects only to
the liability created by the negligent errors, acts or omissions of
the named insured herein."
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