FINANCIAL ADVISOR S GUIDE TO PROFESSIONAL LIABILITY PROGRAM FOR LPL FINANCIAL CORPORATION. LPL Financial Corporation Member FINRA/SIPC

Size: px
Start display at page:

Download "FINANCIAL ADVISOR S GUIDE TO PROFESSIONAL LIABILITY PROGRAM FOR LPL FINANCIAL CORPORATION. LPL Financial Corporation Member FINRA/SIPC"

Transcription

1 FINANCIAL ADVISOR S GUIDE TO PROFESSIONAL LIABILITY PROGRAM FOR LPL FINANCIAL CORPORATION Member FINRA/SIPC June 30, 2009 to June 30, 2010 INSURANCE CARRIER: Continental Casualty Company (C N A)

2 CONTENTS WHAT IS PROFESSIONAL LIABILITY INSURANCE? WHAT IS COVERED?... 3 WHAT IS NOT COVERED?.. 3, 4 OTHER POLICY FEATURES 4, 5 WHAT TO DO IN THE EVENT/THREAT OF A CLAIM 5 PRIOR ACTS DISCUSSION. 6 OBTAINING EVIDENCE OF INSURANCE 6 CONTACT DIRECTORY.. 7 SPECIMEN POLICY DECLARATIONS - ATTACHMENT A.. 8, 9

3 WHAT IS PROFESSIONAL LIABILITY INSURANCE? Also known as errors and omissions insurance ( E&O Insurance ), professional liability insurance provides protection against allegations of a wrongful act. Securities Brokers/Dealers and their Advisors can be sued for a variety of reasons. For example, suitability allegations can arise in connection with the offering of brokerage services, investment management services and annuity products or the giving of financial advice. A key feature of professional liability coverage is that the policy also provides for a defense against such allegations. WHAT IS COVERED? The policy provides for coverage including defense for claims alleging an error or omission in rendering or failing to render a professional service as defined in the policy. Investment advisory activities approved in writing by ( LPL Financial ) and engaged in through the Financial Advisor s Registered Investment Advisor also are included for coverage. In addition, certain types of insurance activity placed directly by the financial advisor, including Life, Accident and Health Insurance sales are included for coverage. WHAT IS NOT COVERED? The policy contains a variety of exclusions that eliminate coverage for certain activities and events. The following is a brief summary of certain exclusions but not a complete listing. Please direct any specific inquiries regarding detailed policy language to LPL Financial s Legal Department. Criminal acts Bodily injury, sickness, disease or death of any person Libel, slander, defamation Damage to physical property Wrongful acts occurring prior to June 30, 1993 or prior to the financial advisor s contract date with LPL Financial, whichever is most recent. Disputes over fees, commissions or other charges Claims from underwriting, syndicating, investment banking, mergers, acquisitions, divestitures, tender offers, leveraged buy-outs and other related activities Violations of the Insider Trading and Securities Fraud Enforcement Act of 1988 Activities as a Specialist or Market Maker for any securities Commodities trading (except commodities limited partnerships) - 1 -

4 Trading outside the USA Failure of mechanical or electronic systems Fines, penalties or taxes Illegal personal profit or advantage Claims brought by the Securities Investor Protection Corp. Property/Casualty insurance activities Third Party Administrator activities Accounting, actuarial or real estate agent/broker activities Transactions/Activities not authorized or approved by LPL Financial Option trading (except covered call options and puts to hedge) Claims relating to or arising out of the financial advisor s prior employment Promissory Notes Viatical Products except Life Settlement Contracts (a lump sum cash settlement paid to policyholder where Insured is over 65 and does not have terminal or chronic illness) OTHER POLICY FEATURES CLAIMS MADE COVERAGE: Coverage is provided on a claims made and reported basis that covers claims first made and reported during the policy period. Prompt reporting of any potential claims is very important. DEDUCTIBLES: Financial advisors are required to pay a deductible for each claim. The deductible applies toward the payment of defense costs and damages. Financial advisors are subject to the following deductibles based upon the investment losses alleged in the claim (excluding interest, punitive damages, loss and attorney fees): Alleged Losses Deductible Up to $100,000 $10,000 $100,001 to $250,000 $15,000 $250,001 to $500,000 $20,000 $500,001 to $1 million $25,000 Over $1 million $30,000 Trade Errors $30,000 Claims naming only the Financial Advisor $50,000 for approved outside insurance and advisory activities - 2 -

5 LIMITS OF COVERAGE: Claims involving LPL Financial: The limits of liability are $5,000,000 per claim. The policy also features an annual policy aggregate limit of $30,000,000. The aggregate limit does not apply to Financial Advisors who are resident of or practice in New York State. Claims naming only the Financial Advisor but for Approved Outside Activities: The limits of liability are $2,000,000 per claim with an annual policy aggregate limit of $10,000,000. The aggregate limit does not apply to Financial Advisors who are resident of or practice in New York State. WHO IS INSURED? Financial Advisors and their companies, including administrative or clerical employees of Financial Advisors while acting on behalf of LPL Financial. WHAT TO DO IN THE EVENT/THREAT OF A CLAIM The claims made provisions of the policy make it critical to report claims, including potential claims on a timely basis. Please observe the following procedures: 1. As soon as you are aware of any circumstances that may lead to a claim, immediately notify LPL Financial s Legal Department. Ashley Commito: (800) extension If a summons and complaint have been issued, send both along with your cover letter, providing as much detail as possible, to: LPL Financial, attention: Stephanie Brown or David Freniere, at the Boston home office address. Also, please be sure to provide copies of all customer account documents relating to the allegations. Remember, in litigated or arbitrated matters, there is a predetermined response time. Therefore, please telephone the Legal Department within 24 hours of being served with a lawsuit or arbitration claim. 3. In every case, once the situation has been identified as a professional liability claim, great care should be exercised to avoid any disclosures or discussion of any facts or information related to the claim with anyone other than LPL Financial

6 PRIOR ACTS DISCUSSION Coverage for financial advisors begins on their contract date with LPL Financial. Financial advisors interested in avoiding a gap in coverage when leaving a firm to join LPL Financial should discuss tail coverage with the firm they are leaving. Tail coverage allows for the reporting of unknown claims to the previous insurance company for a designated period of time, usually 1 to 3 years. Typically, there is a charge for the purchase of tail coverage. LPL Financial has a separate coverage program structured for prior firm tail coverage for new financial advisors as well. For information, please contact Guilda Mora at Barney and Barney. Her telephone number is OBTAINING EVIDENCE OF INSURANCE Evidence of E&O coverage is available through LPL Financial s BranchNet Resource Center. Go to Regulatory and then click on Registration, under the heading of Insurance is the LINK for E&O Certificate Requests. A certificate will be returned to you via or fax or call Eileen Pembroke in the Legal Department at , extension Be prepared to identify the reason for providing proof of insurance. Certificates of insurance can generally be prepared and ed or faxed within 72 hours of the formal request. Be sure to include any unusual requirements or special forms that may be requested by the party demanding proof of coverage

7 CONTACT DIRECTORY QUESTIONS ON ENROLLMENT AND PROGRAM FEE: Eileen Pembroke (800) x4293 COVERAGE QUESTIONS: Legal Department (800) Boston or Barney and Barney LLC (800) Janet Humphrey Debora Walker John Niedernhofer TO REPORT A CLAIM OR POTENTIAL CLAIM: (800) Jennifer Carpenter x4255 Peter Gillies x4166 Amanda Hawley x4715 Brad Jacobs x4717 Nancy Ghabai x4209 Stephanie Brown x4340 David Freniere x4286 James Vannah x4485 Kirsten Patzer x

8 Attachment A GROUP PROFESSIONAL LIABILITY INSURANCE POLICY FOR FINANCIAL ADVISORS OF LPL FINANCIAL CORPORATION Coverage is provided by the company identified below: Continental Casualty Company (C N A) NAMED INSURED: BROKER: INSUREDS: One Beacon Street, 22 nd Floor Boston, MA Barney and Barney LLC Financial Advisors of LPL Financial Corporation POLICY PERIOD: POLICY NUMBER: LIMITS OF LIABILITY: From: 6/30/09 To 6/30/10 At 12:01 a.m. standard time at your address shown above $5,000,000 each wrongful act and aggregate per financial institution $30,000,000 policy aggregate The aggregate limit does not apply to Financial Advisors who are resident of or practice in New York State. Except Claims naming only the Financial Advisor for Approved Outside Activities: $2,000,000 each wrongful act $10,000,000 policy aggregate - 6 -

9 PROGRAM FEE: DEDUCTIBLE: $2, annually, billed quarterly $ annual additional fee for Financial Advisors engaging in approved outside RIA or Life and Health Insurance activities. Financial Advisors are required to pay a deductible for each claim. The deductible applies toward the payment of defense costs and damages. Financial advisors are subject to the following deductibles based upon the investment losses alleged in the claim (excluding interest, punitive damages, loss and attorney fees): Alleged Losses Deductible Up to $100,000 $10,000 $100,001 to $250,000 $15,000 $250,001 to $500,000 $20,000 $500,001 to $1 million $25,000 Over $1 million $30,000 Trade Errors $30,000 Claims naming only $50,000 the Financial Advisor for approved outside insurance and advisory activities - 7 -

FINANCIAL ADVISOR S GUIDE TO PRIOR ACTS COVERAGE FOR NEWLY HIRED FINANCIAL ADVISORS

FINANCIAL ADVISOR S GUIDE TO PRIOR ACTS COVERAGE FOR NEWLY HIRED FINANCIAL ADVISORS FINANCIAL ADVISOR S GUIDE TO PRIOR ACTS COVERAGE FOR NEWLY HIRED FINANCIAL ADVISORS LPL Financial Corporation Member NASD/SIPC INSURANCE CARRIER: CONTINENTAL CASUALTY COMPANY (CNA) Frequently Asked Questions

More information

Newly Hired Financial Advisor Prior Acts Errors & Omissions

Newly Hired Financial Advisor Prior Acts Errors & Omissions Newly Hired Financial Advisor Prior Acts Errors & Omissions June, 2010 Updated November 2010 John Niedernhofer Janet Humphrey Guilda Mora Julia Jacoby New Financial Advisor Prior Acts E&O Coverage 2010-2011

More information

INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY.

INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY. INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY. I. INSURING AGREEMENTS A. INSURANCE OPERATIONS COVERAGE. We will pay on behalf of the insured

More information

Prudential. This outline is provided by the broker, Aon Risk Services Northeast, Inc.

Prudential. This outline is provided by the broker, Aon Risk Services Northeast, Inc. 2013 HIGHLIGHTS OF THE E&O INSURANCE PROGRAM For Producers of Prudential Insurance Division Prudential Insurer: Continental Casualty Company (CNA) 125 Broad St. New York, NY 10004 Policy Number: 169741874

More information

Infinity Sponsored Errors and Omission Insurance Program Frequently Asked Questions

Infinity Sponsored Errors and Omission Insurance Program Frequently Asked Questions Infinity Sponsored Errors and Omission Insurance Program Frequently Asked Questions 1. What Professional Services does the E&O policy cover? Coverage under the policy applies to Claims arising out of the

More information

Agent s Errors And Omissions Insurance Program Professional Liability Coverage for Agents and General Agents of

Agent s Errors And Omissions Insurance Program Professional Liability Coverage for Agents and General Agents of Agent s Errors And Omissions Insurance Program Professional Liability Coverage for Agents and General Agents of The Canada Life Assurance Company Canada Life Insurance Company of New York Canada Life Insurance

More information

HIGHLIGHTS OF THE ERRORS AND OMISSIONS INSURANCE PROGRAM

HIGHLIGHTS OF THE ERRORS AND OMISSIONS INSURANCE PROGRAM HIGHLIGHTS OF THE ERRORS AND OMISSIONS INSURANCE PROGRAM For the Agents of Midland National Life Insurance Company and the Agents of North American Company for Life and Health Insurance 2008-2009 Insurer

More information

$2,500 for products of other companies; Optional extended reporting periods for retired,, disabled or de- ceased agents;

$2,500 for products of other companies; Optional extended reporting periods for retired,, disabled or de- ceased agents; Is E&O Insurance Necessary? You Decide!!! Statistics prove that one out of every seven Insurance Agents will report an Errors and Omissions claim this year. Insurance Agents rank fourth among professions

More information

HIGHLIGHTS OF THE ERRORS AND OMISSIONS INSURANCE PROGRAM 2016 2017

HIGHLIGHTS OF THE ERRORS AND OMISSIONS INSURANCE PROGRAM 2016 2017 HIGHLIGHTS OF THE ERRORS AND OMISSIONS INSURANCE PROGRAM 2016 2017 For the Registered Representatives of HD Vest Investment Services SM and For the Investment Advisory Representatives of HD Vest Advisory

More information

Prudential Financial, Inc. Sponsored Producers E&O Program Commonly Asked Questions

Prudential Financial, Inc. Sponsored Producers E&O Program Commonly Asked Questions Prudential Financial, Inc. Sponsored Producers E&O Program Commonly Asked Questions General Questions 1. Who is the E&O Carrier? Continental Casualty Company (CCC), a subsidiary of CNA, is the E&O carrier

More information

OneAmerica HIGHLIGHTS OF THE ERRORS AND OMISSIONS PROFESSIONAL LIABILITY POLICY

OneAmerica HIGHLIGHTS OF THE ERRORS AND OMISSIONS PROFESSIONAL LIABILITY POLICY OneAmerica HIGHLIGHTS OF THE ERRORS AND OMISSIONS PROFESSIONAL LIABILITY POLICY This is a voluntary program for the Agents of: American United Life Insurance Company The State Life Insurance Company Pioneer

More information

COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM

COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY

More information

E&O Insurance for Oxford Life Insurance Agents

E&O Insurance for Oxford Life Insurance Agents E&O Insurance for Oxford Life Insurance Agents Enroll Now - It s easy! We encourage you to visit our website for more information, print out material and enroll on-line. Simply go to: www.calsurance.com/olic

More information

Travelers 1 st Choice ACCOUNTANTS PROFESSIONAL LIABILITY COVERAGE INVESTMENT ADVICE/FINANCIAL PLANNING PRACTICE SUPPLEMENT

Travelers 1 st Choice ACCOUNTANTS PROFESSIONAL LIABILITY COVERAGE INVESTMENT ADVICE/FINANCIAL PLANNING PRACTICE SUPPLEMENT Travelers 1 st Choice ACCOUNTANTS PROFESSIONAL LIABILITY COVERAGE INVESTMENT ADVICE/FINANCIAL PLANNING PRACTICE SUPPLEMENT SM Travelers Casualty and Surety Company of America Hartford, Connecticut Important

More information

Introduction to Directors and Offi cers Liability Insurance

Introduction to Directors and Offi cers Liability Insurance CHAPTER 1 Martin J. O Leary Introduction to Directors and Offi cers Liability Insurance The following is a brief, general overview of coverage afforded under the Directors and Officers Liability Insurance

More information

STOP GAP EMPLOYERS LIABILITY COVERAGE

STOP GAP EMPLOYERS LIABILITY COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE

More information

APPLICATION FOR FINANCIAL ADVISORS PROFESSIONAL LIABILITY INSURANCE

APPLICATION FOR FINANCIAL ADVISORS PROFESSIONAL LIABILITY INSURANCE APPLICATION FOR FINANCIAL ADVISORS PROFESSIONAL LIABILITY INSURANCE NEW RENEWAL Please return this page and the following items with your application materials: Completed, dated and signed application.

More information

Take 5 minutes, Go Online & Enroll Today! www.calsurance.com/lifehealthagents. CalSurance. California License # 0B02587

Take 5 minutes, Go Online & Enroll Today! www.calsurance.com/lifehealthagents. CalSurance. California License # 0B02587 E O For Life and Health Agents Spend More of Your Time Growing Your Business and Less Time Dealing with E&O Insurance: Fast, easy-to-obtain coverage through online enrollment or one-page enrollment form;

More information

Professional Practices. Lesson 17. Real Estate Errors and Omissions (E&O) Insurance

Professional Practices. Lesson 17. Real Estate Errors and Omissions (E&O) Insurance Lesson 17 Real Estate Errors and Omissions (E&O) Insurance 45 Hour Louisiana Post-Licensing 10/14 WHAT IS REAL ESTATE ERRORS & OMISSIONS INSURANCE? Real estate errors and omissions (E&O) insurance is professional

More information

ELIGIBILITY INFORMATION

ELIGIBILITY INFORMATION NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS Endorsed Program For: Professional Liability Insurance STANDARD APPLICATION FORM CLAIMS MADE NOTICE: THIS IS AN APPLICATION FOR A CLAIMS-MADE POLICY

More information

APPLICATION FOR FINANCIAL ADVISORS PROFESSIONAL LIABILITY INSURANCE

APPLICATION FOR FINANCIAL ADVISORS PROFESSIONAL LIABILITY INSURANCE APPLICATION FOR FINANCIAL ADVISORS PROFESSIONAL LIABILITY INSURANCE NEW RENEWAL Please return this page and the following items with your application materials: Completed, dated and signed application.

More information

Real Estate Errors & Omissions Indemnity Plan

Real Estate Errors & Omissions Indemnity Plan B R I T I S H C O L U M B I A Real Estate Errors & Omissions Indemnity Plan No. RE0398 Issued by Real Estate Errors and Omissions Insurance Corporation (Herein called the Corporation ) Pursuant to the

More information

Directors, Officers and Corporate Liability Insurance Coverage Section. This is a Claims Made Policy. Please read it carefully.

Directors, Officers and Corporate Liability Insurance Coverage Section. This is a Claims Made Policy. Please read it carefully. Directors, Officers and Corporate Liability Insurance Coverage Section This is a Claims Made Policy. Please read it carefully. CLAIMS MADE WARNING FOR POLICY NOTICE: THIS POLICY PROVIDES COVERAGE ON A

More information

If any of the above questions are answered YES, you are NOT eligible for this program.

If any of the above questions are answered YES, you are NOT eligible for this program. ASPEN AMERICAN INSURANCE COMPANY 175 Capital Blvd., Rocky Hill, CT 06067; Phone Toll Free: (877) 245-3510 STANDARD APPLICATION FORM NOTICE: This Policy for which this application is being submitted is

More information

Not-for-Profit Directors and Officers Liability Insurance. Presented by: W. Anderson Baker, III, CPCU, ARM GILLIS, ELLIS & Baker, Inc.

Not-for-Profit Directors and Officers Liability Insurance. Presented by: W. Anderson Baker, III, CPCU, ARM GILLIS, ELLIS & Baker, Inc. Not-for-Profit Directors and Officers Liability Insurance Presented by: W. Anderson Baker, III, CPCU, ARM GILLIS, ELLIS & Baker, Inc. Basics Liability insurance payable to (or on behalf of) directors and

More information

APPLICATION FOR SECURITIES BROKER-DEALER S PROFESSIONAL LIABILITY GENERAL INFORMATION

APPLICATION FOR SECURITIES BROKER-DEALER S PROFESSIONAL LIABILITY GENERAL INFORMATION APPLICATION FOR SECURITIES BROKER-DEALER S PROFESSIONAL LIABILITY Instructions for Completing This Application Please read carefully and fully answer all questions and submit all requested information

More information

APPLICATION FOR REAL ESTATE SERVICES PROFESSIONAL LIABILITY INSURANCE

APPLICATION FOR REAL ESTATE SERVICES PROFESSIONAL LIABILITY INSURANCE APPLICATION FOR REAL ESTATE SERVICES PROFESSIONAL LIABILITY INSURANCE This is an Application for a claims made and reported policy. Please read the entire Application carefully before signing. Whenever

More information

EZ RENEWAL APPLICATION FOR LAWYERS PROFESSIONAL LIABILITY INSURANCE ABOUT THE FIRM RENEWAL INFORMATION

EZ RENEWAL APPLICATION FOR LAWYERS PROFESSIONAL LIABILITY INSURANCE ABOUT THE FIRM RENEWAL INFORMATION EZ RENEWAL APPLICATION FOR LAWYERS PROFESSIONAL LIABILITY INSURANCE THE POLICY YOU ARE APPLYING FOR IS A CLAIMS-MADE AND REPORTED POLICY, AND SUBJECT TO ITS PROVISIONS, APPLIES ONLY TO ANY CLAIM BOTH FIRST

More information

PROFESSIONAL LIABILITY INSURANCE APPLICATION FOR LAW FIRMS

PROFESSIONAL LIABILITY INSURANCE APPLICATION FOR LAW FIRMS James River Insurance Company and its Subsidiaries 6641 West Broad Street, Suite 300 Richmond, VA 23230 Application for Law Firms Lawyers Professional Liability PROFESSIONAL LIABILITY Division Email to

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 04 35 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE COVERAGE.

More information

BrokerEdge SM Securities Brokerage Executive and Professional Liability Policy Professional Liability Coverage Part

BrokerEdge SM Securities Brokerage Executive and Professional Liability Policy Professional Liability Coverage Part BrokerEdge SM Securities Brokerage Executive and Professional Liability Policy Professional Liability Coverage Part Executive Risk Indemnity Inc. Home Office: 2711 Centerville Road, Suite 400 Wilmington,

More information

Intellectual Property Pursuit and Defence. Summary of Cover

Intellectual Property Pursuit and Defence. Summary of Cover Intellectual Property Pursuit and Defence Summary of Cover Intellectual Property Pursuit and Defence Summary of cover This insurance is an annual contract unless stated otherwise in the quotation or renewal

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully

More information

RF Ougheltree & Associates, LLC 1050 Wall Street West, Ste 330 Lyndhurst, New Jersey 07071 Phone: 201-964-9881 Fax: 201-964-9889 www.rfoins.

RF Ougheltree & Associates, LLC 1050 Wall Street West, Ste 330 Lyndhurst, New Jersey 07071 Phone: 201-964-9881 Fax: 201-964-9889 www.rfoins. RF Ougheltree & Associates, LLC 1050 Wall Street West, Ste 330 Lyndhurst, New Jersey 07071 Phone: 201-964-9881 Fax: 201-964-9889 www.rfoins.com Broker / Dealer Professional Liability Application General

More information

Glossary of Insurance Terms: (obtained from website: http://www.iii.org/individuals/glossary/alfa.l/)

Glossary of Insurance Terms: (obtained from website: http://www.iii.org/individuals/glossary/alfa.l/) Glossary of Insurance Terms: (obtained from website: http://www.iii.org/individuals/glossary/alfa.l/) ACTUAL CASH VALUE A form of insurance that pays damages equal to the replacement value of damaged property

More information

Individual Pharmacist Professional Liability Insurance Policy

Individual Pharmacist Professional Liability Insurance Policy THIS IS A LEGAL CONTRACT -- PLEASE READ THIS CAREFULLY -- Individual Pharmacist Professional Liability Insurance Policy Table of Contents Page DEFINITIONS... 1 PROFESSIONAL LIABILITY COVERAGE... 3 SUPPLEMENTAL

More information

THE OHIO STATE TROOPERS ASSOCIATION CRIMINAL DEFENSE LEGAL EXPENSE REIMBURSEMENT INSURANCE POLICY

THE OHIO STATE TROOPERS ASSOCIATION CRIMINAL DEFENSE LEGAL EXPENSE REIMBURSEMENT INSURANCE POLICY THE OHIO STATE TROOPERS ASSOCIATION CRIMINAL DEFENSE LEGAL EXPENSE REIMBURSEMENT INSURANCE POLICY I. BENEFITS 1) In consideration of the premium specified on the Declaration Page forming part of this Master

More information

INSURANCE CODE TITLE 10. PROPERTY AND CASUALTY INSURANCE SUBTITLE C. AUTOMOBILE INSURANCE CHAPTER 1952

INSURANCE CODE TITLE 10. PROPERTY AND CASUALTY INSURANCE SUBTITLE C. AUTOMOBILE INSURANCE CHAPTER 1952 INSURANCE CODE TITLE 10. PROPERTY AND CASUALTY INSURANCE SUBTITLE C. AUTOMOBILE INSURANCE CHAPTER 1952. POLICY PROVISIONS AND FORMS FOR AUTOMOBILE INSURANCE (SELECTED SECTIONS) SUBCHAPTER C. UNINSURED

More information

Insurance Coverage During the Economic Crisis. by Bianca R. Chapman and Marc Rosenthal

Insurance Coverage During the Economic Crisis. by Bianca R. Chapman and Marc Rosenthal Insurance Coverage During the Economic Crisis by Bianca R. Chapman and Marc Rosenthal The current financial crisis has resulted in unprecedented market volatility, credit concerns, market losses and bankruptcies

More information

B.C. LAWYERS COMPULSORY PROFESSIONAL LIABILITY INSURANCE POLICY NUMBER: LPL 00-01-01

B.C. LAWYERS COMPULSORY PROFESSIONAL LIABILITY INSURANCE POLICY NUMBER: LPL 00-01-01 B.C. LAWYERS COMPULSORY PROFESSIONAL LIABILITY INSURANCE POLICY NUMBER: LPL 00-01-01 INSURER: THE LSBC CAPTIVE INSURANCE COMPANY LTD. (the Company ) Administrative Offices, 6th Floor, 845 Cambie Street

More information

Real Estate Professionals Errors and Omissions Liability Application

Real Estate Professionals Errors and Omissions Liability Application Real Estate Professionals Errors and Omissions Liability Application 1) a. Legal Name of Firm b. Desired Effective Date c. dba Name(s)/ Trade-Name(s) d. Month/Year Business Established Under Current Owner

More information

COMMON MASSACHUSETTS STATUTES OF LIMITATIONS

COMMON MASSACHUSETTS STATUTES OF LIMITATIONS COMMON MASSACHUSETTS STATUTES OF LIMITATIONS An overview of the limitations periods for several common civil and commercial claims in Massachusetts. Brought to You by The Jacobs Law, LLC Your Attorneys

More information

Greenwich Insurance Company

Greenwich Insurance Company REAL ESTATE PROFESSIONAL ERRORS AND OMISSIONS INSURANCE APPLICATION tice: This is an application for a policy that contains Claims-made liability protection. Coverage for prior acts and claims made after

More information

GUIDE TO PROFESSIONAL LIABILITY INSURANCE HRPA OFFICE OF THE REGISTRAR

GUIDE TO PROFESSIONAL LIABILITY INSURANCE HRPA OFFICE OF THE REGISTRAR GUIDE TO PROFESSIONAL LIABILITY INSURANCE HRPA OFFICE OF THE REGISTRAR Guide to Professional Liability Insurance TABLE OF CONTENTS Page What is professional liability insurance? 2 What is the professional

More information

CHAPTER 70-02-05 ERRORS AND OMISSIONS INSURANCE

CHAPTER 70-02-05 ERRORS AND OMISSIONS INSURANCE CHAPTER 70-02-05 ERRORS AND OMISSIONS INSURANCE Section 70-02-05-01 Definitions 70-02-05-02 Insurance Required 70-02-05-03 Minimum Standards 70-02-05-04 Exceptions to Coverage 70-02-05-05 Group Policy

More information

April 10, 2015 FLANNER HOUSE OF INDIANAPOLIS INC FLANNER HOUSE ELEMENTARY 2424 DR MARTIN LUTHER KING ST INDIANAPOLIS IN 46208

April 10, 2015 FLANNER HOUSE OF INDIANAPOLIS INC FLANNER HOUSE ELEMENTARY 2424 DR MARTIN LUTHER KING ST INDIANAPOLIS IN 46208 Liberty Mutual Insurance Processing Center PO Box 515097 Los Angeles, CA 90051-5097 April 10, 2015 FLANNER HOUSE OF INDIANAPOLIS INC FLANNER HOUSE ELEMENTARY 2424 DR MARTIN LUTHER KING ST INDIANAPOLIS

More information

MPL SECURE: MISCELLANEOUS PROFESSIONAL AND NETWORK SECURITY LIABILITY INSURANCE POLICY APPLICATION

MPL SECURE: MISCELLANEOUS PROFESSIONAL AND NETWORK SECURITY LIABILITY INSURANCE POLICY APPLICATION MPL SECURE: MISCELLANEOUS PROFESSIONAL AND NETWORK SECURITY LIABILITY INSURANCE POLICY APPLICATION NOTICE: THE POLICY FOR WHICH THIS APPLICATION IS MADE IS A CLAIMS MADE AND REPORTED POLICY SUBJECT TO

More information

PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE

PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE FOR THE PERIOD JULY 1, 2015 TO JUNE 30, 2016 EFFECTIVE: JULY 1, 2015 PUBLIC ENTITY RISK MANAGEMENT

More information

CLASSIC A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM

CLASSIC A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM CLASSIC A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM THIS IS A CLAIMS MADE POLICY WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY. In consideration

More information

Assurity Life Insurance Company. Sponsored E&O Insurance Program. We are pleased to provide all contracted agents of

Assurity Life Insurance Company. Sponsored E&O Insurance Program. We are pleased to provide all contracted agents of Assurity Life Insurance Company Sponsored E&O Insurance Program We are pleased to provide all contracted agents of Assurity Life Insurance Company the opportunity to purchase coverage in the Group Sponsored

More information

What Solo and Small Firms Need to Know about Malpractice Insurance

What Solo and Small Firms Need to Know about Malpractice Insurance What Solo and Small Firms Need to Know about Malpractice Insurance Insurance Considerations 2 Mike Mooney Vice President Bar Association Programs USI Affinity Practice 360 - A Day for Lawyers & Law Firms

More information

ACCOUNTANTS PROFESSIONAL LIABILITY INSURANCE POLICY

ACCOUNTANTS PROFESSIONAL LIABILITY INSURANCE POLICY ACCOUNTANTS PROFESSIONAL LIABILITY INSURANCE POLICY SPECIMEN CAMICO Mutual Insurance Company Tel: 800.652.1772 ADDITIONAL INCLUDED BENEFITS In addition to the benefits described in your policy every Named

More information

APPLICATION FOR TECHNOLOGY & PRIVACY PROFESSIONAL LIABILITY

APPLICATION FOR TECHNOLOGY & PRIVACY PROFESSIONAL LIABILITY APPLICATION FOR TECHNOLOGY & PRIVACY PROFESSIONAL LIABILITY GENERAL INFORMATION 1. APPLICANT NAME: 2. PHONE: 3. MAILING ADDRESS: 4. WEB ADDRESS: 5. The following officer of the Applicant is designated

More information

Hudson Insurance Company 100 William Street, New York, NY 10038

Hudson Insurance Company 100 William Street, New York, NY 10038 Hudson Insurance Company 100 William Street, New York, NY 10038 APPLICATION FOR DIRECTORS & OFFICERS INSURANCE POLICY COMPLETION OF THIS APPLICATION DOES NOT COMMIT OR BIND THE UNDERSIGNED TO PURCHASE

More information

2010 Attorney Guide. Understanding Lawyers Professional Liability Insurance

2010 Attorney Guide. Understanding Lawyers Professional Liability Insurance 2010 Attorney Guide Understanding Lawyers Professional Liability Insurance Table of contents About This Guide...1 Overview of Lawyers Professional Liability Coverage...2 - Understanding Lawyers Professional

More information

E F F E C T I V E M A R C H 1, 2 0 0 9. Indemnity. Plan. Real Estate Errors and Omissions Insurance Corporation. British Columbia

E F F E C T I V E M A R C H 1, 2 0 0 9. Indemnity. Plan. Real Estate Errors and Omissions Insurance Corporation. British Columbia E F F E C T I V E M A R C H 1, 2 0 0 9 Indemnity Plan N Ọ R E 0 3 0 9 Real Estate Errors and Omissions Insurance Corporation British Columbia I N T R O D U C T I O N Why You Need Professional Liability

More information

Why Should I Buy This E&O Insurance?

Why Should I Buy This E&O Insurance? Why Should I Buy This E&O Insurance? Who is Eligible to Enroll in this Program? EXCELLENT COVERAGE! Agents of Designated Life Insurance Companies contracted with Limits of Liability: GREAT PRICE! $1,000,000

More information

PROFESSIONAL LIABILITY ERRORS & OMISSIONS INSURANCE (This Insurance Is On A Claims Made Basis)

PROFESSIONAL LIABILITY ERRORS & OMISSIONS INSURANCE (This Insurance Is On A Claims Made Basis) PROFESSIONAL LIABILITY ERRORS & OMISSIONS INSURANCE (This Insurance Is On A Claims Made Basis) Underwriters do hereby agree that in consideration of the payment of the premium and in reliance upon the

More information

INDIAN HARBOR INSURANCE COMPANY (herein called the Company)

INDIAN HARBOR INSURANCE COMPANY (herein called the Company) INDIAN HARBOR INSURANCE COMPANY (herein called the Company) This is a claims made Policy with defense expenses included. Please read and review the Policy carefully. INSURANCE AGENTS AND BROKERS ERRORS

More information

EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT

EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT POLICY NUMBER: CL CG 04 57 07 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT This endorsement modifies insurance provided under the

More information

DIRECTORS & OFFICERS LIABILITY INSURANCE

DIRECTORS & OFFICERS LIABILITY INSURANCE DIRECTORS & OFFICERS ESSENTIAL BUSINESS INSURANCE COVER POLICY RISK FACT introducing FirstUnited FirstUnited is a leading insurance intermediary group operating in Malta and under Freedom of Services throughout

More information

MASSACHUSETTS CUSTOMIZED PRACTICE COVERAGE TITLE INSURANCE AGENT LIABILITY COVERAGE UNIT

MASSACHUSETTS CUSTOMIZED PRACTICE COVERAGE TITLE INSURANCE AGENT LIABILITY COVERAGE UNIT (hereinafter called "the Company") MASSACHUSETTS CUSTOMIZED PRACTICE COVERAGE TITLE INSURANCE AGENT LIABILITY COVERAGE UNIT In consideration of the payment of the premium, in reliance upon the statements

More information

Enroll Today at www.calsurance.com/titan

Enroll Today at www.calsurance.com/titan Agents Affiliated with Titan Marketing Group E&O Program Program underwritten by Arch Insurance Company, which is rated A+ (Superior): XV by A.M. Best Company* Additional Program Features: Network Security

More information

WORKERS CO MPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

WORKERS CO MPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WORKERS CO MPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY ABCDEFGHIJ In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: GENERAL SECTION

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE POLICY NUMBER: COMMERCIAL LIABILITY UMBRELLA CU 04 03 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE COVERAGE.

More information

MANAGEMENT AND PROFESSIONAL LIABILITY INSURANCE

MANAGEMENT AND PROFESSIONAL LIABILITY INSURANCE U.S. FINPRO MANAGEMENT AND PROFESSIONAL LIABILITY INSURANCE ALTERNATIVE INVESTMENT FUNDS/HEDGE FUNDS In turbulent economic times, the importance of a well designed management and professional liability

More information

PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE

PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE A Stock Insurance Company, herein called the Company PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE Various provisions in this policy restrict coverage. Please read the

More information

MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE COVERAGE FORM

MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE COVERAGE FORM MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE COVERAGE FORM THIS IS A CLAIMS MADE POLICY WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY. In consideration

More information

Liability Risk Management for Practicing Medical Physicists. David W. Jordan, Ph.D.!

Liability Risk Management for Practicing Medical Physicists. David W. Jordan, Ph.D.! Liability Risk Management for Practicing Medical Physicists David W. Jordan, Ph.D.! Disclosures! Speaker chairs AAPM Insurance Subcommittee, which administers the AAPMsponsored Professional Liability Insurance

More information

Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary

Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary Specialist Miscellaneous Professions Underwritten by a member of the QBE Insurance Group (QBE) This insurance

More information

INDIVIDUAL AGENT PROGRAM

INDIVIDUAL AGENT PROGRAM INDIVIDUAL AGENT PROGRAM AGENT ERRORS & OMISSIONS INSURANCE PROGRAM FOR AGENTS AFFILIATED WITH ASSURANT HEALTH May 1, 2007 To May 1, 2008 INDIVIDUAL AGENT PLAN FEATURES Option A: Limit of liability $1,000,000

More information

Personal Lines Insurance Agents Professional Liability

Personal Lines Insurance Agents Professional Liability COMMITTED TO A MAKING DIFFERENCE Personal Lines Insurance Agents Professional Liability INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY APPLICATION All questions must be answered and application must

More information

REAL ESTATE BROKER S AND AGENT S GUIDE TO ERRORS AND OMISSIONS INSURANCE

REAL ESTATE BROKER S AND AGENT S GUIDE TO ERRORS AND OMISSIONS INSURANCE REAL ESTATE BROKER S AND AGENT S GUIDE TO ERRORS AND OMISSIONS INSURANCE Steps in Shopping for E&O Insurance STEP 1 Start the process no later than 45 days before your policy renews or the date wish to

More information

Pearl Insurance 1200 E.Glen Ave. Peoria Heights, IL 61616

Pearl Insurance 1200 E.Glen Ave. Peoria Heights, IL 61616 GENERAL STAR NATIONAL INSURANCE COMPANY (Referred to as General Star ) APPLICATION NEW YORK ACCOUNTANTS PROFESSIONAL LIABILITY INSURANCE Pearl Insurance 1200 E.Glen Ave. Peoria Heights, IL 61616 NOTICE

More information

Guide to Professional Liability Insurance HRPA OFFICE OF THE REGISTRAR

Guide to Professional Liability Insurance HRPA OFFICE OF THE REGISTRAR 2012 Guide to Professional Liability Insurance HRPA OFFICE OF THE REGISTRAR Guide to Professional Liability Insurance TABLE OF CONTENTS Page What is professional liability insurance? 2 What is the professional

More information

Personal Lines Insurance Agents Professional Liability

Personal Lines Insurance Agents Professional Liability Personal Lines Insurance Agents Professional Liability PART I - AGENCY DETAILS P.O. Box 2909 Jacksonville, FL 32203-2909 Phone: 800-342-2498 Fax: 904-355-7611 www.shellyins.com INSURANCE AGENTS AND BROKERS

More information

MEMORANDUM. Receive and file presentation on fiduciary insurance and/or provide follow-up direction to staff.

MEMORANDUM. Receive and file presentation on fiduciary insurance and/or provide follow-up direction to staff. ORANGE COUNTY EMPLOYEES RETIREMENT SYSTEM MEMORANDUM DATE: October 7, 2015 TO: FROM: SUBJECT: Members of the Board of Retirement Robert Valer, Chief Legal Officer Fiduciary Insurance Recommendation: Receive

More information

Travelers 1 st Choice REAL ESTATE SERVICES PROFESSIONAL LIABILITY COVERAGE APPLICATION

Travelers 1 st Choice REAL ESTATE SERVICES PROFESSIONAL LIABILITY COVERAGE APPLICATION Travelers 1 st Choice REAL ESTATE SERVICES PROFESSIONAL LIABILITY COVERAGE APPLICATION Travelers Casualty and Surety Company of America Hartford, Connecticut IMPORTANT NOTE: This is an application for

More information

Personal Lines Insurance Agents Professional Liability Professional Liability

Personal Lines Insurance Agents Professional Liability Professional Liability UNITED STATES LIABILITY INSURANCE GROUP A BERKSHIRE HATHAWAY COMPANY USLI.COM 888-523-5545 Personal Lines Insurance Agents Professional Liability Professional Liability This product targets retail agencies

More information

FAQ s for the HollisWealth Independent Advisors E&O Insurance Program

FAQ s for the HollisWealth Independent Advisors E&O Insurance Program FAQ s for the HollisWealth Independent Advisors E&O Insurance Program We have compiled a list of the most frequently asked questions regarding policy basics and terminology. Should you have any queries

More information

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 00 00 A (Ed. 4-92) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY PLEASE READ THE POLICY CAREFULLY. QUICK REFERENCE BEGINNING ON PAGE INFORMATION PAGE GENERAL SECTION... 2 A. The Policy...

More information

D&O FAQ. Report Title. Directors & Officers (D&O) Liability and Insurance Frequently Asked Questions

D&O FAQ. Report Title. Directors & Officers (D&O) Liability and Insurance Frequently Asked Questions D&O FAQ Report Title Directors & Officers (D&O) Liability and Insurance Frequently Asked Questions Contents 1. What is a D&O policy intended to do?...3 2. When does wrongful conduct have to occur to be

More information

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: General Section A. The Policy

More information

Management liability - Employment practices liability Policy wording

Management liability - Employment practices liability Policy wording Special definitions for this section Benefits Claim Defence costs The General terms and conditions and the following terms and conditions all apply to this section. Any compensation awarded to an employee

More information

Architects and Engineers Professional Liability Insurance Summary

Architects and Engineers Professional Liability Insurance Summary Architects and Engineers Professional Liability Insurance Summary Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation

More information

Coverage is subject to a Deductible

Coverage is subject to a Deductible Frank Cowan Company Limited 75 Main Street North, Princeton, ON N0J 1V0 Phone: 519-458-4331 Fax: 519-458-4366 Toll Free: 1-800-265-4000 www.frankcowan.com CYBER RISK INSURANCE DETAILED APPLICATION Notes:

More information

Construction Consultants Professional Liability Insurance Summary

Construction Consultants Professional Liability Insurance Summary Construction Consultants Professional Liability Insurance Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal

More information

APPLICATION Life and Health Insurance Agents and Brokers Errors and Omissions Insurance APPLICATION INSTRUCTIONS

APPLICATION Life and Health Insurance Agents and Brokers Errors and Omissions Insurance APPLICATION INSTRUCTIONS APPLICATION Life and Health Insurance Agents and Brokers Errors and Omissions Insurance Underwritten by Utica Mutual Insurance Company New Hartford, New York THIS IS AN APPLICATION FOR A CLAIMS-MADE POLICY.

More information

PROFESSIONAL INDEMNITY INSURANCE COUNCIL OF ENGINEERS JANUARY 22, 2014

PROFESSIONAL INDEMNITY INSURANCE COUNCIL OF ENGINEERS JANUARY 22, 2014 PROFESSIONAL INDEMNITY INSURANCE COUNCIL OF ENGINEERS JANUARY 22, 2014 RISKS MANAGEMENT MIX STRATEGY Transferred Risk (Insurance) Level Of Risk Reduced Risk (Safety Measures) Avoided Risk Retained Risk

More information

Complete Professional Indemnity

Complete Professional Indemnity Allianz Insurance plc plc Complete Professional Indemnity Policy Details (including Policy Summary pages 1 4) Insurance Brokers Policy Summary This is a Policy Summary only and does not contain full terms

More information

Directors & Officers

Directors & Officers NON-PROFIT Directors & Officers LIABILITY INSURANCE Presented by: R. Parke Ellis, CPCU & Lauren Galligan 1933 In business since 55 Employees by the numbers. $10MM Revenue 63 Non-profit clients Dozens Non-profit

More information

Liquor. (Occurrence Form)

Liquor. (Occurrence Form) Liquor LIABILITY INSURANCE POLICY (Occurrence Form) 95A Turnpike Road Westborough, MA 01581 (508) 366-1140 THIS POLICY JACKET WITH THE Liquor LIABILITY POLICY FORM, DECLARATIONS PAGE AND ENDORSEMENTS,

More information

Smart ChoiceApp03012012v1 CalSurance Associates California License # 0B02587 A Division of Brown & Brown Program Insurance Services, Inc.

Smart ChoiceApp03012012v1 CalSurance Associates California License # 0B02587 A Division of Brown & Brown Program Insurance Services, Inc. Property & Casualty Insurance Agents & Brokers E&O Application 1. Full Applicant s Name: 2. Address: 3. City: State: Zip: 4. Contact Name: # o0f Locations: State: 5. Phone: Fax: Email Address: 6. Website

More information

ST. PAUL PROTECTIVE INSURANCE COMPANY Hartford, CT NEW JERSEY AUTOMOBILE INSURANCE STANDARD POLICY COVERAGE SELECTION FORM

ST. PAUL PROTECTIVE INSURANCE COMPANY Hartford, CT NEW JERSEY AUTOMOBILE INSURANCE STANDARD POLICY COVERAGE SELECTION FORM ST. PAUL PROTECTIVE INSURANCE COMPANY Hartford, CT NEW JERSEY AUTOMOBILE INSURANCE STANDARD POLICY COVERAGE SELECTION FORM Name: Policy #: This Coverage Selection Form is for a STANDARD POLICY. See Buyer

More information

REAL ESTATE PROFESSIONALS ERRORS AND OMISSIONS INSURANCE APPLICATION

REAL ESTATE PROFESSIONALS ERRORS AND OMISSIONS INSURANCE APPLICATION Exclusively Administered by: Pearl Insurance 1200 East Glen Avenue Peoria Heights, IL 61616-5348 1.800.289.8170 www.pearlinsurance.com REAL ESTATE PROFESSIONALS ERRORS AND OMISSIONS INSURANCE APPLICATION

More information

Errors and Omissions Insurance: Can You Afford Not to Have It?

Errors and Omissions Insurance: Can You Afford Not to Have It? Errors and Omissions Insurance: Can You Afford Not to Have It? Fox Point Programs, Inc Media/Professional Insurance 1 Introduction What Can Your E&O Insurance Do for You: Real World Claims Examples. Your

More information