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| Specified Professions - Professional Liability | ||||||
| Specified Professions Errors and Omissions with Professional Office Package This Product targets office-based professionals with less than $5,000,000 in annual revenue. Click here for application. |
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The HIT ZONE - Our highest hit ratio |
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Gross annual revenue up to $2,000,000 | |||||
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No errors and omissions claims or circumstances in the past 5 years | |||||
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At least 3 years in operation or 3 year related experience | |||||
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The following classes of business: | |||||
| Bookkeeper | Human resources consultant | Marketing consultant | ||||
| Claims adjuster | Mortgage broker | Tax preparer | ||||
| Employment agency | Management consultant | |||||
| ELIGIBLE RISKS - Includes all of the above characteristics except where amended below | ||||||
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Gross annual revenue up to $5,000,000 | |||||
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1 or 2 errors and omissions claims or circumstances in the past 5 years | |||||
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Classes that are not listed on this guide | |||||
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The following classes of business | |||||
| Accident reconstruction service | Education consultant | Lighting design consultant* | Public relations consultant | |||
| Administrative support service | Education/guidance counselor | Mailing service | Registered agent | |||
| Answering service | Emergency training consultant* | Mediator | Relocation service* | |||
| Appraisers (non-real estate) | Energy consultant | Medical transcriptionist* | Reserve study consultant* | |||
| Association management service | Event planner* | Meeting planner* | Resume service | |||
| Audio/visual consultant* | Exhibit designer* | Messenger service | Screening service* | |||
| Audit service (non financial) | Expediting service | Mortgage field inspector | Seminar conductor | |||
| Background check service | Expert witness | Notary | Speech therapist* | |||
| Billing service | Forensic invesigator | Office support service | Statistical consultant | |||
| Caterer* | Fund raising consultant | Paralegal | Telecommunications | |||
| Compliance consultant | Grant writing service | Photographer | ...consultant | |||
| Courier service* | Graphic deisgner | Premium audit service | Testing Service | |||
| Court reporter | Insurance inspector | Print broker | Training specialist | |||
| Damage appraiser | Insurance risk manager | Printer | Translators | |||
| Document destruction service* | Interior designer | Private investigator* | Travel Agent* | |||
| Document management service* | Interpreters | Process server* | ||||
| *Indicates risks which are not eligible for our Professional Office Package | ||||||
| INELIGIBLE RISKS | ||||||
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Over $5,000,000 in annual revenue | |||||
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Claims Adjusters with over $500,000 in annual revenue | |||||
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Less than 3 years in operation or 3 years of related experience (some classes require less than 3 years) | |||||
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More than 2 errors and omissions claims or circumstances in the last 5 years | |||||
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Applicants whose products or services present a high bodily injury or property damage exposure | |||||
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The following classes of business: | |||||
| Actuary | Collection agency | Funeral director | Premium finance company | |||
| Advertising agency | Construction manager | Home inspector | Public official | |||
| Architect | Credit counselor/bureau | Investment advisor | Publishers | |||
| Attest & audit service (financial) | Dating service | Investment banker | Real estate developer/consultant | |||
| Attourney | Driving instructor | Laboratory | Social worker | |||
| Auctioneer | Engineer | Land surveyor | Stock broker | |||
| Bank | Environmental consultant | Landscape architect | Third party administrator | |||
| Barbers & beautician | Escort service | Lawyer | Tile agent/abstaractor | |||
| Benefit administrator/consultant | Escrow agent | Lobbyist | Trade association | |||
| Broadcaster (media) | Financial consultant/planner | Media professional | Trustree | |||
| Business broker | Franchisor | Nanny service | ||||
| Church | Freight forwarder | Payroll processors | ||||
| PRODUCT ADVANTAGES | ||||||
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A.M. Best rated A++ carrier | |||||
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Defense outside the limit | |||||
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Duty to defend | |||||
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Personal Injury coverage for most classses | |||||
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Full prior acts coverage available | |||||
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Ability to provide general liability and property coverage via a Business Owners Policy, General liability includes coverage for bodily injury arising out of professional services | |||||
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Optional fair housing coverage for mortgage brokers | |||||
| AVAILABLE LIMITS | ||||||
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Errors & Omissions | |||||
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Businessowners Package | |||||
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| $1,000,000 limit/$2,000,000 aggregate | ||||||
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| Up to $250,000 Total Insured Value | ||||||
| RETENTIONS | ||||||
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Errors & Omissions | |||||
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Businessowners Package | |||||
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| SUBMISSION REQUIREMENTS | ||||||
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Any new business Professional Liablity application | |||||
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- Louis T. Mastos & Associates, Inc. |
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