General Liability. General Liability 4/30/2015. Liability Coverage in the RIM Industry
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1 2015 Annual Meeting May 19, 2015 Liability Coverage in the RIM Industry Presented By Brian Jungeberg, CIC General Liability Protects You From Claims of Bodily Injury or Property Damage Claims Examples Slip & Fall Defamation of Competitor They Say So Landlord Customer General Liability Auto Related Workers Compensation 1
2 Commercial Auto Protects You From Claims of Bodily Injury or Property Damage Involving Your Vehicle (Greatest Exposure You Have On a Daily Basis!) Claims Examples Leasing/Financing Companies State/Federal Government Commercial Auto General Liability Related Workers Compensation Workers Compensation including Employers Liability Protects You From Claims of Bodily Injury to an Employee Claims Examples The Infamous Back Slip & Fall State/Federal Government 2
3 Workers Compensation including Employers Liability Auto Related General Liability Related Warehouse Legal Liability Protect You From Liability related to Personal Property of Others in Your Care, Custody, or Control Contract/Agreement Customer Excess Liability/Umbrella Provides an additional $1mil+ limits to Protect You From Claims of Bodily Injury or Property Damage (Auto/GL/EL) How much is $1,000,000 anymore? Landlord Customer 3
4 Excess Liability/Umbrella Employment Practices Liability Protects You From Claims of Harassment, Discrimination, Wrongful Termination, etc. Claims Examples Employment Practices Liability What Is Not Usually Covered? Wage & Hour (can get Defense Costs Only) Subcontractors 3 rd Party Suits 4
5 Directors & Officers Liability Protects Directors & Officers of the Company from Claims Alleging Mismanagement (typically with financial implications) Personal Liability on the line Public vs. Private Companies Directors & Officers Liability What Is Not Usually Covered? Related Claims Professional Liability Related Claims Fiduciary Liability Protects the Company and Trustees of Any Trust or Employee Benefit Plan from Alleged Mismanagement Human Error 5
6 Fiduciary Liability What Is Not Usually Covered? Related Claims Professional Liability Related Claims Directors & Officers Liability Related Claims Provides protection for errors and/or omissions related to your failure to provide professional services as promised. You re Smart & Want Protection Customer Says So BUYER BEWARE! Is Your Policy Coverage Covering Anything?! Devil Is In the Details Privacy Liability / Cyber Liability Included? Professional Services Bodily Injury Wrongful Act Defense Mechanism Settlement Provision Rogue Employee 6
7 Privacy Liability Is It Really that Important? What Can It Cover? Privacy Breach Notification/Credit Monitoring PR Expenses Regulatory/Civil Fines & Penalties 1 st Party Capability Rogue Employee Cyber Liability Is It Really that Important? What Can It Cover? Privacy Breach & Liability Security Breach & Liability Multimedia Liability Cyber Extortion Business Income & Digital Asset Restoration PCI Data Security Standard Assessment Any Questions? Contact Anytime: Brian Jungeberg, CIC Director Brightstone Insurance Services, LLC Direct: bjungeberg@brightstoneins.com 7
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