Coverage
Liability. Property. Then the rest.
The program is read in this order: liability, property, directors & officers, commercial crime, excess liability, special events, and other lines as they belong.
01 · Liability
General liability
Bodily injury, property damage, personal and advertising injury, the premises and the event — defense as the form provides.
Read the form02 · Property
Property
Scheduled buildings, contents, loss of use, and the layers that make a property program hold.
Read the program
03 · D&O
Directors & officers
Side A for officers when the organization cannot indemnify, Side B reimbursement, Side C for the entity.
Read the form
04 · Crime
Commercial crime
Dishonest acts involving organizational funds, forgery, computer fraud, and theft of money and securities.
Read the program
05 · Excess
Excess liability
Additional limits over the underlying liability, structured so a severe loss does not stop at the first form.
Read the program
06 · Events
Special events
A function that needs its own dates, venue, and additional insureds — beside the organization’s ongoing general liability.
Read the program07 · Other lines
And whatever the program still needs.
Related coverages are considered when they sit beside the lines already in force. This site is a description of that work. It is not a binder.
Limits, retentions, territorial scope, who is an insured, and every exclusion live in the issued form. Where the form and this website differ, the form governs.
Correspondence
Ask about a form in force.
Insureds and advisors may request a reading of coverage or a certificate.