Policy Highlights

• Broad definition of professional services; includes notary, premium financing, and risk management/loss control activities
• B+/Government Guaranteed insolvency exclusion
• Automatic coverage for Independent Contractors
• Punitive damages covered where allowable by law
• Additional coverages included and outside of the policy limit:
  • Defense costs for regulatory proceedings – $25,000
  • Litigation expense reimbursement – $250 day; $5,000/policy period
  • Subpoena expense reimbursement – $5,000

Coverage Enhancements Available

• Defense Costs outside the limits of liability
• First Dollar Defense
• Aggregate retentions

Additional coverages included and outside of the policy limit:

• Employment Practices claims expense reimbursement
• Privacy Breach expense coverage
• Security incident expense coverage