Legal and Copyright

Legal and Copyright Information

The information on this website is provided “AS IS”, without warranty, express or implied and should you use this information, it is at your own risk. While reasonable efforts to present accurate and reliable information have been made, it is your responsibility to evaluate the accuracy, completeness and usefulness of any information provided. We may also make changes in the programs and products without notice.

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General Liability: Provides your agency with protection for a wide range of acts or offenses which result in bodily injury, property damage, personal and advertising injury said to be caused by your agency or one of your staff.
Property: Covers the physical assets your organization owns or leases such as buildings, office equipment and office furniture.
Directors & Officers (D&O): Provides coverage for damages resulting from the wrongful acts of the directors, officers, trustees and managers as well as for the agency as an entity. Also provides coverage for employment related actions, including allegations of wrongful termination, harassment and discrimination. Ask about our exclusive D&O insurance plan which offers enhanced coverage for less money!
Auto: Coverage for bodily injury and property damage caused by employees and volunteers driving personal autos or agency-owned vehicles.
Professional Liability: Coverage for professionals such as mental health workers, counselors, teachers, social workers, publishers, and consultants.

Risk Management: Risk management is essential to lowering all of your insurance premiums. Good loss control programs and practices will help you save money in property insurance, workers’ compensation and even health insurance costs. We provide our members with expert consultation, technical expertise, and easy-to-use resources.
Improper Sexual Conduct: Responds to claims of sexual molestation and abuse. Commonly purchased by group homes, schools, residential treatment centers and child care centers among others.
Employee Benefits Liability (EBL): Covers specified damages from an organization's negligent handling of the administration of employee benefits program.
Fidelity/Employee Dishonesty: Provides a source of recovery of funds embezzled by employees or volunteers.
Umbrella Liability: Provides another layer of protection above and beyond the amounts or limits covered by your primary policies. Usually applies to general liability, employer's liability and auto policies.