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The G.J. Sullivan Farmington Casualty EPLI Program is specifically designed to me...

No Intentional Acts Exclusion Expanded Wrongful Employment Act definition Policy is non-cancelable except for non-payment of Premium Extension of Coverage for the Lawful Spouse Named Peril coverage for employment claims arising out of Company Internet and E-mail.

... loss control services for the ESI-EPLI program. Insureds have access to the h...

...com) to get quotations from the #1 EPLI Carrier in the US (USLI). Our commissi...

King Support Systems Insurance Services provides Employment Practices Liability Insurance in AZ, CA, NV, OR and WA. Services Free risk management manual and telephone hotline One page short-form application for non-binding quote Quick turnaround Premium finance available Limits Available $250,000 to $10,000,000 Coverages Claims Made and Reported Policy Prior Acts Coverage Aggregate Deductible Available Deductible Reduction Endorsement Available Minimum Premium $1,200.00 Special Features First Dollar EEOC Administrative Proceedings Coverage Up to $2500 for defense – before deductible applies Additional Defense outside the limits available Equal Pay Act (EPA) Coverage Reorganization/Downsizing coverage Employment Practices Liability Insurance

Mercator Risk Services excels at tougher, hard to place Professional Liability accounts, including accounts that others have passed on. Coverage is available for “distressed professional liability (E&O), directors and officers (D&O) and employment practices liability (EPL) accounts. By applying specialty insurance expertise, adding some creativity and utilizing a broad range of markets, Mercator is able to provide terms on some of the toughest accounts around. What is a tougher, hard to place or “distressed account? A distressed account is one that will not be considered by standard professional liability markets due to the account’s underwriting characteristics. The difficulty may lie in the organization’s unusual activities, its past operating characteristics or in adverse loss experience. Mercator Risk Services is providing solutions across all of our key lines: E&O - Areas include all miscellaneous classes and medical malpractice, attorneys, financial services, consultants and architects & engineers. D&O - Public, unique private and non-profit organizations. EPL - Tougher classes and accounts with claims. Examples of Hard to Place Accounts: E&O: This physician was providing specialty medical advice over the internet and needed medical malpractice coverage. D&O: This private bankrupt manufacturing company required directors & officers coverage as it was emerging from bankruptcy. E&O: The plaintiffs attorney firm specialized in securities class actions, which was declined by all the standard attorney E&O markets. EPL: A small property management and construction/development company had an EEOC claim costing $15,000 to settle. E&O: This law firm had been hit with a series of claims, and was declined by the standard programs. D&O: A creative approach was needed to develop customized D&O coverage for this large non-profit account due to its organizational structure and mission. E&O: Medical malpractice coverage for a small group of specialist physicians was non-renewed due to claims, including a recent $1.0 million settlement. E&O: A customized policy was required to combine this internet utility’s needs with coverages unique to the utility area. EPL: A retail outlet with 90 full time and 20 part time employees, and a number of EEOC discrimination actions, had considerable difficulty finding EPL coverage. E&O: This startup specialty insurance agency has highly experienced owners and staff, but the specialty area carries higher exposure for E&O insurers. E&O: This specialty engineering firm provides geotechnical and structural engineering and testing services. Testing of various construction materials are conducted in its labs and at construction sites. What do they need? A thorough submission is necessary to get the job done. In addition to the application, the submission should include a clear description of the activities and five years of loss history. Mercator Risk Services provides a wide range of markets for all types of hard to place, or distressed, accounts in all states. Their goal is to provide the best combination of product, price and service to you. They will handle your accounts knowledgeably and efficiently, in turn saving you valuable time and money. Please let them know if we can be helpful in any way. For more information, please call (860) 527-9717 or send an e-mail to [email protected] You can get additional information on their products, insurance applications, and Specialty Lines insurance information on their Web site www.mercatorpro.com.

Employment Practices LIability Insurance is an indespensible coverage for any company. Employment Practices Liability Insurance helps protect you from lawsuits, whether legitimate or not, that could bankrupt your company on legal costs alone! The Employment Practices Liability Insurance product through Grand General includes: Limits up to $5,000,000 Defense Coverage outside the policy limits for up to 200 employees if coverage of $500,000 or more is chosen Defense and Settlement Provision softened to cover 75% of defense costs and loss after an insured's refusal to settle Front and Back Pay included in the definition of a loss Full prior acts coverage for claim free accounts (most states and classes) Wrongful Act definition expanded to include coverage for the negligent violation of USERRA Independent Contractors are included in the definition of employee And much more! Visit Grand General at www.thehelpfulpeople.com today and find out how affordable this essential coverage can be.

Mercator Risk Services writes Lawyers Professional Liability accounts on a primary, excess or hard to place basis for all size accounts, from solo practitioners to firms with over 50 attorneys. No matter what the nature of a law firm's practice, today's law firms are increasingly the target of client claims and lawsuits. This can be the result of unreasonable client expectations, frivolous claims or real errors. All law firms need to buy professional liability insurance to protect them from client claims, and Mercator Risk Services can certainly provide assistance The market for lawyers professional liability insurance has been extremely competitive. However, underwriters are beginning to realize that they may have difficult or unprofitable books of business, and are taking steps to improve their results. These changes include increased pricing, more restrictive underwriting requirements and outright non-renewals. At this time of market turmoil, the lawyers professional liability segment can be a significant opportunity for new sales. Examples may include: High-exposure firms with a significant practice concentration in securities work Lawyers who have recently passed the bar and opened their own practice Firms that have recently expanded or merged, or recently dissolved partnerships Firms with significant claims problems or disciplinary problems As a professional liability specialist, Mercator Risk Services provides coverage for distressed lawyers from a number of markets. Distressed lawyers requiring special underwriting include the following: 100% plaintiff's work Copyright and patent attorneys Significant loss experience Real estate development specialists Securities specialists Sole practitioners Mercator Risk Services can usually utilize an application you have to get started (other than a renewal application), or they can provide a specialized application for your client. Hard to Place: They also handle hard to place, distressed and unusual accounts, such as accounts with claims or financially impaired accounts. Let them know about your clients’ needs and they’ll provide you with information and assistance with your particular situation or account and Errors & Omissions Liability coverage. For more information, please call (860) 527-9717 or send an e-mail to [email protected] You can get additional information on their products, insurance applications, and Specialty Lines insurance information on their Web site www.mercatorpro.com.

...tal consultants & contractors, EPLi, equipment floater, fire suppression c...

...ecified Professional Liability (Accountants, Lawyers, - Insurance Agents/Broke...