For
Profit Employment Practices Liability- Professional Liability
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For
Profit Employment Practices Liability with Third Party
Coverage Options
This
Product targets for-profit companies with fewer than 200
employees.
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| The
HIT ZONE - Our highest hit ratio
No
past or future plans for downsizing, layoff, merger or aquisition
activity
Click
here for application. |
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No
employment practices, third party discrimination or third
party sexual harassment claims or circumstances in the past
5 years
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The
following classes of business: |
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Accounting
firm |
Counseling
center* |
Maintenance |
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Advertising
firm |
Credit
operations* |
Manufacturer |
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Air/heat
contractor |
Day care
center* |
Mortgage
company* |
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Ambulance
service |
Doctor/dentist* |
Plumber |
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Architect |
Drug
rehab center* |
Printer/publisher |
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Artisan
Contractor |
Engineer |
Real
estate agency* |
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Banks* |
Fast
food restaurant |
Rental
care agency* |
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Bowling
lane |
Fitness
center |
Retail
store |
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Camp* |
Foster
care |
Sales/distributor |
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Car
wash |
Furniture
rental* |
School* |
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Caterer |
Garment
maker |
Supermarket |
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Cemetery |
Hair
salon |
Transportation/trucking |
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Church* |
Hotel/motel
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Travel
agent |
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Condo/homeowner
associations |
Janitorial
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Veterinary
clinic |
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Convenience
store |
Landscaper |
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| ELIGIBLE
RISKS - Includes all of the above characteristics except where
amended below |
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Less
than 3 years in operation |
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1
or 2 employment practices claims or circumstances in the past
5 years |
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The
following classes: auto dealers*, consultants, property managers*,
insurance agents/companies*, assisted living, country clubs* |
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Classes
that are not listed on this guide |
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*Indicates
risks which are not eligible for our Third Party Coverage
Option |
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| INELIGIBLE
RISKS |
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Over
200 employees (part time and seasonal count as 1/2 each) |
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More
than 2 employment practices claims or circumstances in the
last 5 years |
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Greater
than 50% of employees earn over $75,000 in annual salary (exception:
consultants) |
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The
following classes of business: |
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Adult
Entertainment |
Employment
agencies |
Nursing
homes |
| |
Aviation |
Entertainment
industry
(radio, television, film) |
Restaurants
(other than fast food) |
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Bars/tavern |
General
contactors |
Security
guard services |
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Casino |
Governent
agencies |
Stock
brokerage & S.E.C. firms |
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Coal
mines |
Hospitals |
Unions |
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Colleges
& universities |
Law
firms |
Venture
capital management |
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Construction
companies |
Municipal
(police, fire, ...) |
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| PRODUCT
ADVANTAGES |
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A.M.
Best rated A++ carrier |
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Defense
outside the limit a $500,000 limit or higher is chosen |
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Duty
to defend |
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Free
HELPLINE human resources consultation service with unlimited
calls and no time limits |
|
50%
discount on PeopleSystems® Online Sexual
Harrassment Preventions Traning (Note: California, Connecticut
and Maine mandate such training by law) |
|
Definition
of wrongful act extends to 12 named perils including acts
arising out of use of the Internet |
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No
intentional acts exclusion |
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Optional
coverage for punitive damage |
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Optional
third party liability coverage |
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Full
prior acts available |
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| AVAILABLE
LIMITS |
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Up
to $5,000,000 |
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| RETENTIONS |
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Retentions
start at $1,000 and vary by state, city, & class |
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| SUBMISSION
REQUIREMENTS |
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Any
new business Employment Practices Liablity application |
