Professional

• Quoting Authority with E-Z Rater 
• $300 Minimum Premium for E&O Coverage 
• $150 Minimum Premium for General Liability Coverage 
• One Page Application 
• Defense Outside the Limits 
• Full Prior Acts coverage Available 
• $0 Deductible on Claim Free Accounts Optional General Liability Coverage 
• Optional 3 Year Extended Reporting Period for 125% of Annual Premium 
• Primary Limits Available up to $1,000,000/$3,000,000 

• Coverage specifically tailored for a Commercial Property Manager, not written on a Miscellaneous Form. 
• Optional Tenant Discrimination Coverage for both Damages and Defense. 
• Optional Employment Practices Liability Coverage including coverage for managed individuals who are actually employed by the owner of the building/complex. 

• Errors and Omissions: $1,600 for $1,000,000 Limit 
• Tenant Discrimination: $400 for $100,000 Limit 
• Employment Practices: $1,000 for $1,000,000 Limit 

• Contact us for an Application and Specimen Policy. 

• No Breach of Contract Exclusion 
• Minimum Premiums of $500 for $500,000 Limit, $625 for $1,000,000 Limit 
• Defense Costs Outside the Limit of Liability 
• No Exclusion for Non-Monetary Damage Claims 
• Manager/Management Company automatically named as Additional Insured 
• Company has "Duty to Defend" 
• Full Prior Acts Coverage 
• Definition of Insured includes Directors & Officers, Entity, Employees, Volunteers and Committee Members 
• No Libel, Slander or Defamation Exclusion 

• Separate Limit of Liability for Employment Practices Liability Claims EPL claims will not erode the Directors & Officers Liability Limit 
• EPL Defense Costs outside the Limit of Liability (for accounts with 200 or fewer employees) 
• Unlimited Extended Reporting Period for former Directors & Officers 
• Provides the protection of an occurrence policy 
• Third Party Sexual Harassment and optional Third Party Discrimination if EPL is purchased 
• Named Peril Coverage for employment claims arising out of company's internet and email 
• Stand alone Directors & Officers Liability option 
• Entity Coverage included automatically in D&O and EPL Coverage Parts 
• No Punitive Damages Exclusion in Policy 
• Full Prior Acts Coverage Provided 
• $2,500 Minimum Premium at $1,000,000 Limits - includes D&O and EPL! 
• 3 Year Optional Extension for only 150% plus 60 Day Free Reporting Period 
• Automatic Coverage for service on Non Profit 501(c)(3) Boards 
• Spousal Extension 
• Low Retentions starting at $5,000 
• D&O Limits available up to $5,000,000 
• EPL Limits available up to $5,000,000

• No Intentional Acts Exclusion. 
• Named Peril coverage for employment claims arising out of Company Internet and E-mail. 
• Wrongful Employment Act definition expanded to include:  
  Demotion 
  Failure to Promote 
  Retaliation 
  Wrongful Discipline 
  Negligent Evaluation/Training/Supervision 
  Workplace Harassment 
  Employment Related Misrepresentation 
• Policy is non-cancelable except for non-payment of Premium. 
• Extension of Coverage for the Lawful Spouse.

• Unlimited Defense Costs outside the limit of liability (Subject to minimum limit of $500,000). 
• FREE Employment Practices Hot Line with unlimited number of calls and NO time limits. 
• Optional Third Party Discrimination and Sexual Harassment. 
• Optional Punitive Damages Coverage. 
• $1,100 minimum premium for $1,000,000 Limit. 

• Unlimited Extended Reporting Period for former Directors and Officers. An insured gains the advantage of an Occurrence Policy by having peace of mind they are always insured for the time they served on the Board. 
• Optional Fiduciary Liability Coverage starting at $100. If your Non Profit Organization has an Employee Benefit Plan, your Directors and Officer's personal assets are at risk. 
• Separate limit of liability for Employment Practices Liability claims This prevents the Board's Directors & Officers Limit of Liability to be eroded by employment claims 
  Named peril Coverage for Employment Claims arising out of the use of the Internet and E-Mail. 
• Coverage for Third Party Sexual Harassment and Third Party Discrimination. 
• Expanded definition of Sexual Harassment to include other Workplace Harassment. 

• Defense costs outside the limit of liability for D&O and EPL claims 
• Full Prior Acts Coverage 
• NO Failure to Maintain Insurance Exclusion (if General Liability Insurance is carried). 
• Marital Estate Extension Coverage 
• All "Broad Form" enhancements of Old Form included in New Policy 
• No Punitive Damages Exclusion. 
• No Intentional Acts Exclusion on EPL Claims. 

• Medical Expenses: $5,000 
• Product/Completed Operations Hazard Aggregate: identical to the Liability and Medical Expenses Limit, above. 
• General Aggregate: twice the Liability and Medical Expenses above  

• A $1,000,000 limit of D&O and an additional $1,000,000 limit of EPL with $0 retention for only $1,154 

• Primary D&O limits available up to $5,000,000 
• Primary EPL limits available up to $5,000,000

• Admitted in most states

• Defense Costs Outside the Limits 
• Coverage for Personal Injury 
• Duty to Defend wording 
• Automatic Coverage for Independent Contractors 
• Full Prior Acts Coverage available 
• Primary Limits Available up to $2,000,000 
• Admitted in most States 
• Quick turnaround time guaranteed on complete submissions 
• Contact us for an Application and Specimen Policy

• Employment Practices Liability 
• Third Party Discrimination (Failure to Treat a Patient)
• Defense against allegations by a Patient of Sexual Misconduct 

• Affordably Priced Package minimum premiums for Employment Practices Liability, Third Party Discrimination and Sexual Misconduct to a Patient starting at only $1,300 
• Defense Costs Outside the Limit of Liability for Employment Practices and Third Party Discrimination coverage (subject to minimum Limit of $500,000) 
• Optional Limit of $100,000 for Sexual Misconduct to a Patient coverage available 

• Our Property Managers Professional Liability Product is designed for Property
• Managers who derive their income from the management or leasing of Residential or Commercial Property 
• Optional Tenant Discrimination Coverage for both Damages and Defense 
• Defense outside the Limits for Coverage Part A, Errors and Omissions, and Coverage Part C, EPL (if purchased) 
• Optional Employment Practices Liability Coverage including managed individuals who are actually employed by the owner of the building / complex 
• Separate Limits for each Coverage Part. Claims against one coverage do not erode the Limits of the other Coverage Parts 
• Coverage for management of the Insured's Personally Owned Property available 
• Additional Insured Status automatically provided for any entity for which Named
• Insured has agreed to provide Professional Services 

• Errors and Omissions: $1,750 at $1 Million Limit 
• Tenant Discrimination: $500 at $100,000 Limit 
• Employment Practices: $1,000 at $1 Million Limit 

• Named perils coverage for claims arising from internet and e-mail 
• Defense Outside the Limit 
• $150,000 Discrimination Coverage (Defense and Damages) 
• Environmental Coverage available 
• Coverage for Personal Injury 
• Coverage for sale of all owned residential property not developed / constructed by the Insured 
• $2,500/$5,000 for Defense of Insureds at Local and State Real Estate Boards 
• Optional Extended Reporting Period of 3 years for only 110% A/P 
• Primary Limits Available up to $5,000,000 
• Low Minimum Premium 
• Admitted in most States 
• Contact us for an Application and Specimen Policy 
• Limits of Liability:
  Primary limits available up to $5,000,000 

• Low minimum premium 
• Admitted in most states 
  

• Contact us for an application and specimen policy 

• $150,000 (Damages & Defense) limit for allegations of Discrimination 
• Defense outside the limit of liability for Professional Services Claims 
• Broad Personally Owned Property Coverage. 
• Internet Coverage 
• Environmental Coverage Available 
• $2,500/$5,000 for Defense of Insureds in front of Licensing or Regulatory Bodies 
• Optional Extended Reporting Period of 3 years for only 110% annual premium

• A Business Owners policy provides both General Liability and Property coverage on an occurrence policy form. 

• Bodily Injury - Liability from injury, sickness, disease or death sustained by a person. While most standard Business Owners' policies exclude Bodily Injury resulting from professional services, the United States Liability Insurance Group extends coverage to cover Bodily Injury claims arising from the professional services as a Realtor. 
• Medical Expense - Coverage for medical expenses resulting from Bodily Injury.
• Property Damage - Liability resulting from physical injury to tangible property, which includes loss of use of this property. 
• Personal Injury - Injury arising out of slander, libel, false arrest, malicious prosecution and wrongful entry or eviction. 
• Advertising Injury - Injury arising out of misappropriation of advertising ideas of infringement of copyright, title or slogan. 

• Personal Property Coverage Available 
• Written on "Special Form" - Broad causes of Loss including: Water Damage, Collapse, Theft, Vandalism, Fire, Lightning, Explosion, Windstorm or Hail, and Weight of Ice, Snow or Sleet. 
• Loss of Business Income - Coverage up to a maximum of $50,000. 
• Pollutant Clean up and Removal - Insured's premises only for a maximum of $10,000. 

• Defense Outside the Limit 
• Broad Definition of Professional Services 
• Duty to Defend Wording 
• 2 Year Optional Extension for Only 125% Additional Premium 
• Quick Turn Around Time on Quotes 

• Starting at $1,250 for $1,000,000 for selected classes

Minimum Retention:

• Starting at $0 for selected classes 

• Defense Outside the limit of liability. 
• Broad definition of Professional Services. 
• Duty to Defend Wording. 
• $0 Deductible available on select classes.

• A Business Owner's policy provides both General Liability and Property coverage on an occurrence policy form.

• Bodily Injury – Liability from injury, sickness, disease or death sustained by a person. While most standard Businessowners’ policies exclude Bodily Injury resulting from professional services, the United States Liability Insurance Group extends coverage to cover Bodily Injury claims arising from the professional services as the Professional. 
  Medical Expense – Coverage for medical expenses resulting from Bodily Injury. 
  Property Damage – Liability resulting from physical injury to tangible property, which includes loss of use of this property. 
  Advertising Injury – Injury arising out of misappropriation of advertising ideas or infringement of copyright, title or slogan.
•  

• Written on Special Form – Broad causes of Losses including: Water Damage, Collapse, Theft, Vandalism, Fire, Lightning, Explosion, Weight of Ice, Snow or Sleet. 
• Loss of Business Income – Policy will pay for the actual loss of Business Income sustained during suspension of operations due to property damage of loss. 

• Errors & omissions coverage with defense costs outside the limit of liability and duty to defend policy wording 
• Optional Broad Form Endorsement including Intellectual Property, Unauthorized Access, Malicious Code (Virus) and Personal Injury coverage 
• Optional package policy provides general liability written on an occurrence form and property written on Special Form 

• Programmers 
• Consultants 
• Web Page Designers 
• Custom Software Development 
• Trainers 
• No Punitive Damages Exclusion. 
• System Designers and Integrators 
• Hardware/Software Maintenance 
• Electronic Data Processors 
• Disaster Recovery 
• Database Services 

• Admitted in most states 
• Application available in our Forms Library