Already work with USG? Click Here to contact your local office.
Kristen TaylorNational Marketing Director Email: ktaylor@usgins.com
|
Errors & Omissions
Miscellaneous Professional Classes (incl. Media)
Accountants Professional
Features:
> Minimum premium $500
> Deductibles beginning at $500
> Acts, errors and omissions (worldwide protection)
> A broad definition of covered professional services
> Automatic coverage for per diem employees and new hires
> Prior acts coverage automatically matched to expiring policy
> Innocent insured protection in the event of fraud
> Coverage for penalties and interest levied against your clients by taxing
authorities as a result of professional errors
> Coverage for damages resulting from the loss of client records while in your
custody or control
> Coverage for professional services in which a limited equity interest is held
> Two distinct options for defense costs to be paid in addition to the Limit of
Liability, including an option without specific dollar limitations
> First Dollar Defense deductibles that apply to loss only, not claim expenses
> Over 260 A-Rated admitted and non-admitted carriers
> Writing in All States
Return to top
lnsurance Agencies
> Limits of liability beginning at $500,000 and increasing to $5,000,000,
including options for split limits.
> Minimum premium $2,500
> Deductibles beginning at $1,000
Features:
> Defense costs are in addition to the limit of liability
> Premium credits available for use of Insurance Company Customer Service
Units
> Incident reporting to help solve a problem before it becomes a claim and to
preserve coverage should a claim arise
> A 60-day grace period after policy expiration to report claims made during the
policy period
> Reimbursement of expenses when an insured defendant is requested to
attend a trial, mediation or arbitration
> Acts, errors and omissions
> A broad definition of covered professional services
> Named insured broadly defined
> Automatic coverage for independent contractors
> Prior acts coverage automatically matched to expiring policy
> Innocent insured protection in the event of fraud
> Contractual liability coverage
> Broadened personal injury coverage
> Coverage for vicarious liability
> Over 260 A-Rated admitted and non-admitted carriers
> Writing in All States
Qualified Agents can receive premium credits for:
> Loss control
> Claims free agencies
> Continuing education practices
Optional Coverages:
> First Dollar Defense deductibles that apply to loss only, not claim expenses
> Employment Practices Liability Insurance protection
> Additional options for extended claims reporting periods
> Activities as a real estate agent
> Sale of SEC registered mutual funds
Return to top
Lawyers
Appetite:
> Includes those practicing in the hazardous areas of law:
• Plaintiffs' Personal Injury litigation (incl. medical malpractice)
• Class Action/Mass Tort
• Securities
• Environmental
• Entertainment
• Intellectual Property (incl. IP litigation, trademark and copyright, but
excluding domestic/foreign patent prosecution)
Features:
> Limits up to $10 million for Lawyers Professional risks
> We can assist with layered programs as well
> Broad definition of claim
> Broad definition of Legal Services
> Duty-to-defend policies on small to mid-size risks
> Indemnity (reimbursement) policies available for larger risks
> Prior acts coverage available
> Pre-underwriting loss control audits may be conducted at the discretion
of the underwriter
> Extended reporting period options available, including disability, death, and cessation of practice
> Over 260 A-Rated admitted and non-admitted carriers
> Writing in All States
Return to top
Technology
Appetite:
> Software developers
> Telecommunication services (internet, telephone, cable, wireless)
> Computer staffing services, computer consulting, and training
> Electronic component manufacturing
> Printed circuit board/chip manufacturing
> Internet portals/web page developers/internet service providers
> Video/teleconferencing
> E-commerce consultants
Features:
> Minimum premium $2,500
> Comprehensive third party liability technology errors and omissions form
covering electronic products, software, and computer services
> Optional copyright/trademark coverage extension
> $5 million limits
> Virtually unlimited excess capacity
> Over 260 A-Rated admitted and non-admitted carriers
> Writing in All States
Competitive Advantages:
> One form covers traditional technology liability exposures and cyber related
exposures
> Competitive forms and pricing - industry specific language
Return to top