Quick Reference Programs. Inside. Victor O. Schinnerer & Co., Inc. Architects & Engineers. Contractors. Environmental Consultants

Transcription

1 Quick Reference 2008 Programs Inside Architects & Engineers Contractors Environmental Consultants Hospitals and Healthcare Organizations Insurance Agents & Brokers International Coverage Kidnap & Ransom Land Surveyors Landscape Architects Not-for-Profit Organizations Premises Pollution Coverage Public Entities Real Estate Professionals Specialty Construction Consultants Technology Professionals Classifications/Descriptions/Contacts Victor O. Schinnerer & Co., Inc.

2 Architects & Engineers DesignOne DesignOne combines professional liability, property, casualty, D&O, EPL, fiduciary, commercial auto, umbrella and workers compensation coverage into one convenient, cost-effective program. It offers a single source of protection one broker and one business insurance program. Small Firms A/E firms with annual billings up to $500,000 The fastest, easiest and most convenient way to purchase professional liability insurance for a small A/E firm. Offers a quick and easy application, and flexible payment options. Great claims service and online risk management educational services, too. Minimum premium: $1,250 /$5 million annual/aggregate First-dollar defense coverage Three-year policy term available for firms with billings under $250,000 Online application provides 24-hour quotes Vanessa Cole (301) Vanessa.Cole@Schinnerer.com Jocelyn Hayden (301) Jocelyn.E.Hayden@Schinnerer.com Premier A/E firms with annual billings ranging from $500,000 to $20 million An A/E program designed to meet the needs of mid-size firms. Includes broad coverage and services designed for emerging A/E firms, as well as access to local claims specialists and extensive risk management educational services and training. /$20 million annual/aggregate Minimum deductible: $5,000 First-dollar defense option available Broad protection for pollution, asbestos and equity interest Enhanced risk management educational services including free contract reviews and online course Michelle Wynne (301) Michelle.H.Wynne@Schinnerer.com Large Firms A/E firms with annual billings of more than $20 million Custom-designed program, tailored to the needs of the individual firm. Includes options such as coinsurance, retroactive plans, captives, fronts and quota share excess. Includes personal account team Individualized educational services including risk management materials, seminars and contract reviews Home study training course available to earn continuing education credits Jim Willging (301) James.F.Willging@Schinnerer.com Mike Gatti (301) Michael.R.Gatti@Schinnerer.com Specialty Construction Consultants Kitchen, roofing, forensic, telecommunication and construction consultants; construction managers; certified planners; interior designers; sprinkler designers; environmental graphic designers; facilities managers; instrumentation control engineers; and more. Designed for the professional liability needs of construction industryrelated consultants. Coverage is available for a wide range of services and practices including those not eligible under traditional professional liability policies. For many professions, education and experience may substitute for professional licensure. D&O, EPL, fiduciary and P&C coverage available for many specialties. Minimum premium: $1,000 Broad coverage for professional services including coverage for incidental pollution and asbestos exposure Risk Mitigation Credit for eligible firms earns a 50% deductible credit of up to $25,000. Marie Bernier (301) Marie.T.Bernier@Schinnerer.com Deb Malin (301) Deborah.L.Malin@Schinnerer.com This brochure is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the policy described. Nothing contained herein should be construed as an acknowledgement by Schinnerer that a given situation may be covered under a particular policy. To determine whether a specific situation may be covered, please refer to your policy. Only the insurance policy can give actual terms, coverages, amounts, conditions and exclusions.

3 Property & Casualty Business Account Package Policy (BAPP) Tailored Commercial Package Policy (TCPP) Architects, engineers, construction consultants, landscape architects, land surveyors, design consultants, environmental engineers and consultants Two package policies are designed to meet the P&C needs of both small and larger, more complex firms. Commercial auto, umbrella, and workers compensation are available to those who purchase package policies. Minimum premium: $500 for the BAPP Policies cover computer equipment, laptops, cell phones, valuable papers/media, accounts receivable, business property on and off premises and back-up of sewers and drains Tailored A/E coverage extension endorsements available for GL and property coverage Jennifer Clements (301) E-Pack D&O, employment practices and fiduciary liability Architects, engineers, construction consultants, landscape architects, land surveyors, design consultants, environmental engineers and consultants Flexible coverage for the changing workplace. E-Pack allows firms the freedom to choose any combination of the three coverages for maximum protection. Coverage includes access to valuable risk management services. Broad protection for a variety of workplace liabilities Educational materials to help develop policies and procedures to reduce your liability exposures Policyholders get immediate toll-free access to human resource consultants Kathy Curry (301) Kathleen.W.Curry@Schinnerer.com Contractors General, design-build and specialty contractors, Agency and At-Risk construction management services Our program combines the liability protection contractors need with the flexibility and services Schinnerer is known for. Choose professional liability, pollution liability or a combined policy including both coverages. Minimum premium: $4,000 to $6,000 for specialty contractors, $7,500 to $10,000 for general contractors, depending on services Minimum self-insured retention: $5,000 for specialty contractors and $10,000 for general contractors Written on a non-admitted basis Gene Todaro (301) Gene.A.Todaro@Schinnerer.com Eric Myers (301) Eric.E.Myers@Schinnerer.com Environmental Consultants DesignOne Environmental-related consultants and engineers The Environmental Program features broad coverage to meet the complex exposures faced by environmental engineers and consultants. Risk management educational services included in coverage. D&O, fiduciary, EPL and P&C coverage are available for eligible firms. Minimum premium: $1,500 to $3,500, depending on limits requested Admitted professional and pollution incident liability policy Pollution coverage for all services Matt McWilliams (301) Matthew.McWilliams@Schinnerer.com

4 Hospitals and Healthcare Organizations Assisted living facilities, clinics, dental practices, health centers, HMOs, hospices, hospitals, laboratories, nursing homes, physician groups, PPOs, psychiatric facilities, rehabilitation facilities, surgical centers, veterinary clinics and more. Schinnerer offers crime, D&O, EPL, managed care E&O and fiduciary liability insurance for hospitals and healthcare organizations, with coverage underwritten by a leader in the healthcare field. We also offer an exclusive program for VHA, Inc. hospitals which includes a 5% renewal credit on D&O. Admitted program available in most states Minimum Premium: $3,500 for D&O, $1,500 for fiduciary Maximum Limits: $25 million Minimum Deductible: $2,500 for D&O, $0 for fiduciary Exclusive risk management services available, including access to dedicated risk management professionals, programs, publications and more Debra Clark (301) Debra.L.Clark@Schinnerer.com Insurance Agents & Brokers E&O We insure small to mid-size property and casualty agents and brokers, with up to $25 million annual premium volume. Going without errors & omissions insurance is simply not an option. Coverage available on an admitted basis Available in IL, IN, MA, MD, MI, MO, NJ, Whether it has merit or not, an errors & omissions claim can OH, PA, TN Coverage for carrier insolvency if rated B+ or Shannon Colwill (301) Shannon.Colwill@Schinnerer.com significantly impact an agency. better at time of placement for qualified risks. Partner with an A++ carrier Options available for defense costs in addition to for protection. the limits of liability and for the sale of mutual funds for qualified risks. Prior acts coverage available if replacing another carrier. International Coverage We insure companies with 5 to 500 employees and annual worldwide revenues up to $500 million that have employees who work and/or sell products overseas This International Coverage is designed to protect the employees of U.S.-based businesses who travel, even infrequently, to locations outside the U.S. Coverages available in all states Commercial general liability Commercial auto liability Employer s responsibility Commercial property Business income coverage AD&D insurance Kidnap & extortion Emergency medical, personal, travel and security assistance April Young (301) April.S.Young`@Schinnerer.com Schinnerer We want to be the best. We strive to make it easy for you to do business with us. We keep you informed. We realize you depend on us to service your clients. Your business PowerTools. Servicing your clients just got easier with our Broker Launchpad. Check your Schinnerer accounts online. Do business when you need to. Apply for a quote today. Call us at or download an application from the web. We work with all licensed agents and brokers. No special licensing or appointment with Schinnerer is required.

5 Kidnap & Ransom we insure Companies, organizations, high net-worth individuals and families Superior protection for kidnap, detention and extortion risks, customized to the policyholder s needs. Coverage includes expert resources to respond to incidents. Maximum limits: $65 million No retention or deductible Annual or multi-year policies Broad coverage for detention, extortion, hijack and kidnap Worldwide coverage Sarah Katz (301) Sarah.J.Katz@Schinnerer.com Land Surveyors SurveyorOne Land surveyors E&O protection for land surveyors against losses from professional liability claims that arise from negligent acts, errors or omissions and pollution incidents. Includes 15% credit for companies that are part of an ACSM member association and free pre-claims assistance. Great claims service and online risk management services, too. P&C coverage also available. Minimum premium: $1,000 Three-year policy available for firms with billings under $250,000 Pollution coverage and first-dollar defense included Jason Efkeman (301) Jason.Efkeman@Schinnerer.com Landscape Architects DesignOne Landscape architects, golf course designers Broad E&O coverage for landscape architects against claims that arise from negligent acts and pollution incidents. Includes free pre-claims assistance. Great claims service and online risk management services, too. P&C coverage also available. Minimum premium: $1,000 Three-year policy available for firms with billings under $250,000 Pollution coverage and first-dollar defense included Sean Hart (301) Sean.P.Hart@Schinnerer.com Vanessa Cole (301) Vanessa.Cole@Schinnerer.com Not-for-Profit Organizations Agricultural co-ops, chambers of commerce, charities, clubs, community groups, foundations, golf and country clubs, social service providers, trade and professional associations A claims-made D&O policy that provides protection from liability exposure for directors and officers as well as employees, volunteers, committee members, trustees and the organization itself. Includes coverage for employment practices liability, libel, slander and publishing liability. Minimum premium: $800 Third Party Sexual Harrassment and Discrimination Liability Coverage Fiduciary is also available on a stand-alone basis Dean Townsend (301) Dean.C.Townsend@Schinnerer.com Marketing Contacts Jeff Grigsby (301) Jeffrey.M.Grigsby@Schinnerer.com Michael McClement (301) Michael.G.McClement@Schinnerer.com

6 Premises Pollution Liability Coverage for Businesses We insure commercial retail establishments, banks, offices, hospitality, light industrial, warehouses, laboratories/r&d, construction yards, public entities, car and truck dealerships, schools, colleges and universities This admitted policy protects businesses or organizations that may have environmental risks because they are recycling materials, removing wastes, hauling materials or from building maintenance exposures. Admitted pollution coverage For companies with up to 10 locations. Minimum premium: $5,000 Minimum Self-Insured Retention: $10,000 Easy 15 question application Jessica Schwartz (301) Public Entities We insure cities, counties, special districts and hundreds of schools and colleges. We have over 25 years experience Coverages include: providing various insurance coverages -Worker s Compensation to public entities. Target markets -General Liability + Property Coverages include excess for SIRs as well as -Law Enforcement Liability Excess and Umbrella coverage. We -Public Officials E&O Liability also work on primary coverage. -Automobile Liability and Physical Damage -Surety/Fidelty -Underground Storage Tanks -Excess/Umbrella Gordon Field (713) Gordon.R.Field@Schinnerer.com Real Estate Professionals Realty Choice Select A claims-made E&O policy for residential sales firms and small to medium-sized commercial firms, written on an admitted basis. Select provides coverage for agencies transacting a variety of residential and commercial services. Real Estate Industry Services Technology Professionals Custom programmers, consultants, data processors, system designers, web designers, ISPs, network communication providers, computer hardware design and manufacturing firms and many others A claims-made E&O policy for the information technology industry. We offer two levels of coverage: a Basic Form providing E&O coverage and a Broad Form with additional coverage for copyright/trademark infringement, independent contractors and punitive damages (where insurable by law). Realty Choice, Schinnerer s program for real estate professionals, is as diverse as the industry it serves. Our program provides professional liability for both commercial and residential firms as well for a vast array of disciplines within the industry. we insure A claims-made E&O policy tailor-made for large commercial and other real estate related firms. Optional coverage for property management of 100% owned property, environmental hazards, renovation services and thirdparty development. Minimum premium: $2,000 Maximum limits: $2 million Automatic 60-day extended reporting period Coverage for punitive damages where insurable by law Written on a non-admitted basis Unauthorized access and introduction of a computer virus Real estate agents and brokers, appraisers, auctioneers, leasing agents, property managers, mortgage brokers Minimum premium: $500 First-dollar defense option Discrimination, environmental hazards and optional coverage for owned, developed or constructed residential property availabe Sonya Mills (301) Sonya.T.Mills@Schinnerer.com Real estate agents and brokers, appraisers, auctioneers, consultants, leasing agents, property managers, mortgage brokers, escrow agents, title agents Minimum premium: $5,000 Minimum deductible: $5,000 Supplementary payments for loss of earnings and licensing board complaints Claims services provided by dedicated real estate claims specialists Written on a non-admitted basis Linda Realo (301) Linda.C.Realo@Schinnerer.com Sarah Showers (301) Sarah.Showers@Schinnerer.com