PROPERTY – Blanket Real & Personal Property (Buildings, Contents, EDP, Autos, Equipment & Property in the Open)

• Coinsurance Clause – NONE
• Replacement Cost Value
• Landscaping
• Errors and Omissions
• Course of Construction
• Fine Arts
• Employee Tools
• Animals
• Auto Physical Damage – Actual Cash Value
• Business Interruption & Extra Expense
• Watercraft
• Personal Property
• Terrorism
• Crime
• Wind & Flood

GENERAL LIABILITY, POLICE PROFESSIONAL

• Premises Liability
• Employee Benefit Liability
• Bodily Injury/Property Damage
• Mental Injury/Mental Anguish
• Shock
• False Arrest
• False Imprisonment
• Detention
• Malicious Prosecution
• Invasion of Rights of Privacy
• Assault & Battery
• Blank Contractual Hold Harmless Agreement included for Governmental & Non Government Entities
• Includes Property in care, custody & control of the entity
• Host & Liquor Liability
• EMT/Paramedical covered
• Law Enforcement Activities

AUTO – LIABILITY

• Personal Injury Protection
• Hired/Non-owned Auto Coverage
• Hired/Non-owned Physical Damage

PUBLIC OFFICIALS LIABILITY

• Wrongful Acts of Public Officials
• Negligence
• Errors & Omissions
• Sexual Harassment
• Breach of Duty
• Misfeasance, Malfeasance, Nonfeasance
• Elected Officials, Appointed Officers

WORKERS COMPENSATION & EMPLOYER'S LIABILITY

• Statutory Coverage for Work Comp
• Employer’s Liability
• Broad Form All States
• Voluntary Compensation Endorsement
• Maritime Coverage Endorsement

OPTIONAL COVERAGES AVAILABLE

• Airport Liability
• Boiler & Machinery
• Death Benefits - Police & Firefighters
• Inmate & Community Service Workers - Accident
• Fiduciary Liability
• Flood Insurance
• Pollution Liability
• Pollution for Storage Tanks
• Special Events
• Sports Accidents
• Travel Accident