LIBERTY INTERNATIONAL UNDERWRITERS

Save this PDF as:

Size: px
Start display at page:

Download "LIBERTY INTERNATIONAL UNDERWRITERS"

Transcription

1 LIBERTY INTERNATIONAL UNDERWRITERS Fax: (416) MEDICAL MALPRACTICE LIABILITY INSURANCE

2 Policy Number: Reference# Renewal of: Renewal# Medical Malpractice Liability Insurance Declarations THIS IS A CLAIMS MADE POLICY This policy covers only claims first made against an Insured and reported to the Company during the Policy Period or during the Extended Reporting Period (as defined in the policy). Please read the attached policy terms carefully. ITEM I: NAMED INSURED Assured Name Addtional Named Insureds ITEM II: NAMED INSURED'S ADDRESS Assured Address ITEM III: POLICY PERIOD (A) From 12:01 a.m. Inception Date (B) To 12:01 a.m. Expiry Date Both local time at the address shown in Item II ITEM IV: LIMIT OF LIABILITY (A) Each Claim PRL Limit US (B) Aggregate per policy period PRL Aggregate Lmt US ITEM V: DEDUCTIBLE Deductible PRL DeductibleUSN/A Aggregate DeductibleUS Each and Every Claim Any one Claim including costs Aggregate per policy period 1 2

3 Policy Number: Reference# Renewal of: Renewal# ITEM VI: RETROACTIVE DATE Retroactive Date Retroactive DateN/A ITEM VII: INSURED S PROFESSION Insured s Profession: Insured's professional services for dec page ITEM VIII: ENDORSEMENT(S) Endorsement(s) 1-Endorsement Count PRL incl Manuscripts onlyinclusive ITEM IX: PREMIUM Premium: EO Annual Premium US This policy (consisting of this declaration, the applicable application, the attached policy terms and the endorsement(s) referred to in Item VIII) is valid only if, in addition to the facsimile signature of the President of Liberty Mutual Insurance Company, it is dated and signed below by a duly authorized representative of Liberty Mutual Insurance Company. Authorized Representative of Liberty Mutual Insurance Company Date For purposes of the Insurance Companies Act (Canada), this document was issued in the course of Liberty Mutual Insurance Company s insurance business in Canada. LIBERTY MEDICAL MALPRACTICE LIABILITY INSURANCE 2 2

4 Medical Malpractice Liability Insurance THIS IS A CLAIMS MADE POLICY - PLEASE READ CAREFULLY In reliance upon the statements made and information furnished in the Application and any attachments or supporting materials, including all agreements and representations, all of which is deemed to be made a part hereof, and in consideration of the payment of premium, the undertaking by the Named Insured to pay the Deductible stated in Item V of the Declarations and subject to the Limit of Liability stated in Item IV of the Declarations and the Exclusions, Conditions and other terms of this policy, the Company agrees with the Named Insured as follows: INSURING AGREEMENTS (1) COVERAGE To pay on behalf of the Insured all sums which the Insured is legally obligated to pay as damages as a result of a claim, provided, the claim is both first made against the Insured and reported to the Company in writing during the policy period or Extended Reporting Period, if any, and; the claim is a result of a wrongful act committed by an Insured or any person for whose acts the Insured is legally liable, and; the wrongful act arose out of professional services rendered or which should have been rendered, as specified in Item VII of the Declarations, and; (d) the wrongful act was first committed during the policy period, or after the Retroactive Date specified in Item VI of the Declarations, if any. (2) DEFENSE COSTS, CHARGES, EXPENSES AND SETTLEMENT With respect to such coverage as is afforded hereunder and, as part of and subject to the Limit of Liability, the Company shall: have the right to appoint counsel and have the duty to defend any covered suit or claim against the Insured alleging a wrongful act and seeking damages which are or may be payable under the terms of the policy whether such suit or claim is groundless, false or fraudulent. 1 13

5 reimburse the Insured for all reasonable expenses, other than loss of earnings, incurred at the Company's request. pay premium on appeal bonds; but only for bond amounts within the applicable limit of insurance, required in any action or suit brought against the Insured alleging a wrongful act but without any obligation to apply for or furnish any such bonds. (d) have the right to make such investigation and negotiation it deems expedient and, with written consent of the Insured, make any settlement of any claim afforded coverage hereunder. (e) if the Insured refuses to consent to any settlement or compromise recommended by the Company and elects to contest the claim, suit or proceeding, then the Company's liability shall not exceed the amount for which the Company would have been liable for damages and claims expenses if the claim or suit or proceeding had been so settled or compromised, when and as so recommended, and the Company shall have no liability for claims expenses accruing thereafter and the Company shall have the right to withdraw from the further defense thereof by tendering control of said defense to the Insured. (f) the Company shall not be obligated to pay any claim, judgment, award or claims expenses, or to undertake or continue defense of any suit or proceeding after the applicable limit of the Company's liability has been exhausted by payment of judgments, awards, settlements, or claims expenses or after deposit of the applicable limit of the Company's liability in a court of competent jurisdiction, and that in such a case, the Company shall have the right to withdraw from further defense by tendering control of said defense to the Insured. DEFINITIONS (3) WHEREVER USED IN THIS POLICY Named Insured means the Named Insured designated in Item I of the Declarations. "Insured" means: (i) the Named Insured (ii) any person who was, is now, or during the policy period becomes an officer, director or employee of the Named Insured, but solely while acting on behalf 2 13

6 of the Named Insured and while rendering professional services as stated in Item VII of the Declarations. (iii) any former officer, director or employee of the Named Insured but solely while acting within their professional capacity on behalf of the Named Insured, in the rendering of professional services as stated in Item VII of the Declarations. (iv) the estate, heirs, executors, administrators and legal representatives of any Insured in the event of such Insured's death, incapacity, insolvency or bankruptcy but only to the extent that such Insured would otherwise be provided coverage under this policy. "Damages" means only compensatory amounts and shall not include fines or penalties imposed by law or otherwise nor the return of or restitution of fees or charges for professional services rendered, nor is there any coverage for punitive, exemplary or aggravated damages, nor for any claim seeking non-pecuniary or injunctive relief. (d) "Policy Period" means the period of time stated in Item III of the Declarations or any lesser period in the event of cancellation of this policy and specifically excludes any Extended Reporting Period hereunder. (e) "Wrongful Act" means any act, error, omission or breach of duty committed by the Insured solely within the scope of professional services of the Insured's profession as stated in Item VII of the Declarations. (f) "Claim" means a written or oral notice of an intention to seek damages from any Insured. (g) "Claims Expenses" means: (i) fees charged by a lawyer(s) designated by the Company; and (ii) all other fees, pre-judgment interest, post judgment interest, cost and expenses resulting from the investigation, adjustment, defense, and appeal of a claim incurred by the Company. However, "claims expenses" does not include salary charges of regular employees or of the officials of either the Company or Insured. 3 13

7 (h) "Professional Services" means duties and responsibilities undertaken by the Insured pursuant to an agreement (written or verbal) to provide the professional services described in Item VII of the Declarations, including responsibilities implied by the agreement and assumed by the custom of the Insured's profession, whether expressly undertaken or not. (i) "Retroactive Date" means coverage afforded by this policy applies on the basis of claims which are first made against the Insured during the policy period provided that such claim arises out of an act, error, omission or breach of duty committed or alleged to have been committed on or after the date stated in Item VI of the Declarations. EXCLUSIONS (4) THIS POLICY DOES NOT APPLY TO any claim based upon or arising out of fraudulent, dishonest, criminal or other malicious wrongful acts, errors, omissions or breach of duty of the Insured; any claim made against the Insured solely because the Insured is a partner, officer, director, stockholder, or employee of any firm or corporation not named in the Declarations; any claim based upon or arising out of bodily injury, sickness, disease including death at any time, or destruction of any tangible property including the loss of use resulting therefrom caused by an Insured or any of his employees in the commission of any intentional act; however, this exclusion shall not apply with respect to any Insured who is neither the author of said act nor an accomplice; (d) any claim based upon or arising out of bodily injury, sickness, disease including death at any time whilst an Insured or any of his employees are under the influence of hypnotics, intoxicants or narcotics; (e) any claim made against any Insured in respect of any act, error, omission or breach of duty which occur during the period of suspension of the license of an Insured; (f) any claim based upon or seeking non-pecuniary or injunctive relief; (g) any claim based upon or arising out of express warranties or guarantees; 4 13

8 (h) any claim based upon or arising out of failure or omission to provide, effect or maintain any bond, suretyship or any form of insurance; (i) any claim based upon or arising out of any prior or pending litigation at the inception date of this policy; (j) any claim based upon or arising out of any act, error, omission or breach of duty which at the inception date of this insurance, any Insured: (i) had knowledge, or; (ii) had a basis to believe was a breach of duty and/or is likely to give rise to a claim; (k) any claim based upon or arising out of false arrest, humiliation, detention or imprisonment, wrongful entry or eviction or other invasion of private occupancy, or malicious prosecution, libel, slander or other defamatory or disparaging material, or a publication or an utterance in violation of an individual's right of privacy; (l) any claim based upon or arising out of any disputes involving the Insured's fee or charges or any personal profit or advantage to which the Insured is not legally entitled; (m) any claim based upon or arising out of the liability of others assumed by any Insured under any contract or agreement unless such liability would have attached to the Insured even in the absence of such an agreement; (n) any claim based upon or arising out of discrimination by the Insured; (o) any claim based upon or arising out of physical abuse, misconduct, molestation or assault; (p) any claim based upon or arising out of patent infringement; (q) any claim based upon or brought by any person or entity which is an Insured within the definition of this policy; (r) 5 13 any claim based upon or arising out of:

9 (i) the actual, alleged or threatened discharge, dispersal, release or escape or seepage of any solid, liquid, gaseous or thermal irritant or contaminants, including but not limited to smoke, vapors, soot, fumes, acids, alkalis, toxic substances, waste materials including materials to be recycled, reconditioned or reclaimed, oil, petroleum substance or derivatives (including any oil, refuse or oil mixed with waste), or other irritants, contaminants, or pollutants: (d) at or from premises, owned, rented or occupied by the Insured; at or from any site or location used by the Insured or others for the handling, storage, disposal, processing or treatment of waste; which are at any time transported, handled, stored, treated, disposed of, or processed as waste by or for the Insured or any person or organization from whom the Insured may be legally liable; at or from any site or location on which the Insured or any contractors or subcontractors working directly or indirectly on behalf of the Insured are performing operations: (1) if the Pollutants are brought on or to the site or location in connection with such operations; or (2) if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize the Pollutants. (e) any loss, cost, or expense arising out of any governmental direction or request that the Insured test for, monitor, clean up, remove, contain, treat, detoxify or neutralize Pollutants. (s) any claim based upon or arising out of: (i) goods or products composed in whole or in part of asbestos or asbestos related material(s), regardless of whether such goods or products are manufactured, sold, handled, maintained, repaired, removed, disposed of, transported, distributed, installed by, or in any way connected with the Insured or other person or entity trading under his, her or its name; or (ii) any storage device, container, wrapping, packaging, warehouse, building or other structure of any kind, or any part thereof, composed in whole or in part of asbestos or asbestos related material(s); or (iii) any goods or products which are damaged, contaminated or otherwise affected by asbestos related material(s); or 6 13

10 (iv) health hazard (including the clean-up, repair, or any other corrective measures voluntarily undertaken or required by any governmental body or other entity to eliminate such health hazard) occasioned by the existence of asbestos within the land and/or building(s) which are either owned, leased, or otherwise controlled by the Insured. (t) any claim based upon or arising out of any injury, sickness, disease, death, destruction or property damage caused by exposure to radioactivity or to any Nuclear Material, or the operation of any Nuclear Facility. As used in this Exclusion: (i) "Radioactivity" means the spontaneous emission of ionizing radiation, either directly from unstable atomic nuclei as a consequence of a nuclear reaction, and the radiation so emitted, including but not limited to, alpha particles, nucleons, electrons, and gamma rays; (ii) "Nuclear Material" means any material, regardless of its state, that spontaneously emits Radioactivity, irrespective of its use or source, including but not limited to, materials which are defined as "source material", "special nuclear material" and "byproduct material", as defined in the Atomic Act of 1954, nuclear fuel, including spent nuclear fuel, and nuclear waste materials of any kind whatsoever; (iii) "Nuclear Facility" means: any nuclear reactor, as defined below; any equipment or device designed or used for separating radioactive isotopes, processing or utilizing nuclear fuel or in any way handling, processing or packaging any Nuclear Material; any structure, container, excavation, premises or places, prepared or used for the storage, disposal, processing or use of any Nuclear Material, including the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. (iv) Nuclear Reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable materials. 7 13

11 GENERAL CONDITIONS (5) LIMIT OF LIABILITY The total limit of the Company's liability for all claims for damages during the policy period, and any extension thereof as provided for herein, shall never exceed the amount stated in the Declarations at Item IV as Aggregate per policy period. The inclusion herein of more than one Insured or the making of claims or the bringing of suits by more than one person or organization, shall not operate to increase the limit of the Company's liability. Amounts payable by virtue of "Defense Costs, Charges, Expenses and Settlement" shall be part of and subject to the Limit of Liability stated in Item IV of the Declarations. If several claims arise out of the same or related wrongful act they shall be deemed to be a single claim and shall apply against: the policy period during which the first of such claims was first made against the Insured and reported in writing to the Company or; if the Insured has previously given written notice to the Company of a circumstance which subsequently gives rise to the claim or claims, the policy period during which such circumstance was notified. The Company's Limit of Liability shall be excess of the Deductible as stated in the Declarations in respect of any claim or claims afforded coverage hereunder and then subject to the Limit of Liability, Aggregate per policy period, as stated in the Declarations. 8 13

12 (6) DEDUCTIBLE The Named Insured shall first be liable for the "Deductible" amount as stated in Item V of the Declarations in respect of each single claim for damages hereunder inclusive of amounts payable by virtue of "Defense Costs, Charges, Expenses and Settlement". (7) INSURED'S DUTIES IN THE EVENT OF CLAIM OR SUIT As a condition precedent to the right of insurance coverage afforded herein, the Insured shall: in the event any claim is made against the Insured, give immediate written notice, to Liberty International Underwriters, Bay-Wellington Tower, Brookfield Place, 181 Bay Street, Suite 1000, P.O. Box 744, Toronto, Ontario M5J 2T3. in the event suit is brought against the Insured, immediately forward to the Company every demand, notice, summons, or other process received by the Insured or by the Insured's representatives; cooperate with the Company and upon the Company's request, submit to examination and interrogation by a representative of the Company under oath if required and attend hearings, pretrial proceedings and trials and assist in effecting settlement, securing and giving evidence, obtaining the attendance of witnesses, and, in the conduct of suits, as well as in the giving of a written statement or statements to the Company's representatives and meeting with such representatives for the purpose of investigation and/or defense, and disclose to such representatives all books and records requested by the Company, all without charge to the Company. (d) the Insured shall further cooperate with the Company and take such action as may be necessary to secure and effect any rights of indemnity, contribution or apportionment which the Insured may have. (e) the Insured shall not demand or agree to arbitration of any claim made against the Insured without written consent of the Company. The Insured shall not, except at the Insured's own cost, make any payment, admit any liability, settle any claims, assume any obligation or incur any expense without the written consent of the Company. 9 13

13 (8) OTHER INSURANCE The insurance provided by this policy shall apply excess of the Deductible stated in Item V of the Declarations and excess of any other valid and collectible insurance available to the Insured whether such other insurance is stated to be primary, pro rata, contributory, excess, contingent or otherwise, unless such insurance is written only as a specific excess insurance policy over the Limit of Liability of this policy. (9) POLICY TERRITORY This policy only applies to wrongful acts committed by, and suits brought against the Insured in Canada, its territories or possessions. (10) DISCOVERY If during the policy period the Insured first becomes aware of any negligent act, error, omission or breach of duty likely to give rise to a claim for which insurance is otherwise provided hereunder and, if the Insured, gives written notice which is received by the Company during the policy period then any claim subsequently arising out of such negligent act, error, omission or breach of duty shall be deemed to have been made on the date on which such written notice is received by the Company. Such written notice shall include: particulars sufficient to identify the Insured; the specific negligent act, error, omission or breach of duty; particulars of the damages that have or may reasonably be expected to result from such negligent act, error, omission or breach of duty; (d) the circumstances by which the Insured first became aware of such damages for any negligent act, error, omission or breach of duty; and (e) the Insured shall cooperate fully with the Company as provided in the Conditions of this policy, and any investigation conducted by the Company or it's representatives shall be subject to the terms set forth in this policy as though an actual claim had been made.

14 (11) EXTENDED REPORTING PERIOD If the Company shall cancel or refuse to renew this policy the Named Insured may elect, upon payment of an additional premium of seventy-five percent (75%) of the total annual premium, to a period of ninety (90) days following the effective date of such cancellation or refusal to renew in which to give written notice to the Company of claims made against the Insured during said ninety (90) day period for any wrongful act committed during the policy period or after the Retroactive Date stated in Item VI of the Declarations and which would otherwise be afforded coverage under this policy. The rights contained in this clause shall terminate, however, unless written notice of such election together with the additional premium due is received by the Company not later than ten (10) days after the effective date of cancellation or refusal to renew. Any Extended Reporting Period will not reinstate or increase the Limit of Liability or extend the policy period. Extended Reporting Period shall mean the period commencing on the effective date of cancellation or refusal to renew and continuing for a period of ninety (90) days thereafter. This clause shall not apply to any cancellation resulting from non-payment of premium. (12) SUBROGATION In the event of any payment under this policy, the Company shall be subrogated to all the Insured's rights of recovery therefore against any person or organization and the Insured shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The Insured shall do nothing to waive or prejudice such rights. (13) ASSIGNMENT The interest hereunder of any Insured is not assignable. If the Insured shall die or be adjudged incompetent, insolvent or bankrupt, this policy shall cover the Insured's legal representative as the Insured with respect to liability previously incurred and covered by this policy. (14) REIMBURSEMENT OF THE COMPANY If the Company has paid any amount in settlement or satisfaction of claims or judgments or claims expenses in excess of the applicable Limit of Liability or within the amount of the applicable Deductible, the Named Insured shall be liable to the Company for any and all such amounts and, upon demand, shall pay such amounts to the Company promptly. (15) ENTIRE CONTRACT By acceptance of this policy the Insured agrees that the statements in the Declarations and Application are his agreements and representations, that this policy is issued in reliance upon the truth of such representations and that this policy embodies all agreements existing between the Insured and the Company or any of its agents relating to this insurance

15 (16) AUDIT The Company may examine and audit the Named Insured's books and records at any time during the policy period and within three (3) years after the final termination of this policy, as far as they relate to the subject matter of this policy. (17) CHANGES Notice to any agent, broker or representative or knowledge possessed by any agent, broker, representative or any other person shall not effect a waiver or a change in any part of this policy or estop the Company from asserting any right under the terms of the policy; nor shall the terms of the policy be waived or changed, except by endorsements issued by an authorized representative to form a part of this policy. (18) NOTICE OF CANCELLATION This policy may be cancelled by the Named Insured by surrender thereof to the Company or any of its authorized agents or by mailing to the Company written notice stating when thereafter the cancellation shall be effective. This policy may be cancelled by the Company mailing to the Named Insured at the address shown in this policy written notice stating when not less than thirty (30) days thereafter such cancellation shall be effective. However, if the Named Insured has failed to pay a premium when due or has failed, after demand, to reimburse the Company such amounts as the Company had paid in settlement or satisfaction of claims or judgment or for claims expenses in excess of the applicable limit of the Company's liability or within the amount of the applicable Deductible, this policy may be cancelled by the Company by mailing a written notice of cancellation to the Named Insured at the address shown in this policy stating when not less than ten (10) days thereafter such cancellation shall be effective. The mailing of notice as aforesaid shall be sufficient proof of notice. The time of surrender or the effective date and hour of cancellation stated in the notice shall become the end of the policy period. Delivery of such written notice either by the Named Insured or by the Company shall be equivalent to mailing. If the Named Insured cancels, the minimum earned premium or short rate cancellation of the annual premium, whichever is greater, will be charged to the Named Insured. If the Company cancels, the computed pro rata cancellation of the annual premium will be charged to the Named Insured. (19) CURRENCY CLAUSE All limits of insurance, premium and other amounts as expressed in this policy are in Canadian Currency, unless expressly indicated otherwise. (20) IRREVOCABLE AGENT 12 13

16 The Named Insured shall be deemed the sole and irrevocable agent of each and every Insured under this policy for the purpose of: giving instructions to or agreeing with the Company for alternations of the policy wording; making or receiving payments of premiums and adjustments of premiums; receiving from the Company notice of cancellation of coverage for any other Insured. In witness whereof, the Company has caused this policy to be signed by its president and secretary and counter-signed on the Declarations page by a duly authorized representative of the Company. President Secretary 13 13

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

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

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

MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE BASIS

MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE BASIS This Form Provides Claims-Made Coverage. Please Read The Entire Form Completely. MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE BASIS Throughout this document, the word Insured means any

More information

MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1.2. Defence Costs Underwriters agree to pay all Defence Costs as defined below.

MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1.2. Defence Costs Underwriters agree to pay all Defence Costs as defined below. MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1. INSURING AGREEMENTS 1.1 Insuring Clause Whereas the company, partnership or firm as stated in Item 1 of the Schedule (the Named Insured

More information

Policy. Excess Professional Liability Insurance for Lawyer LICENSEES/ Law Firms

Policy. Excess Professional Liability Insurance for Lawyer LICENSEES/ Law Firms Policy 2008 Excess Professional Liability Insurance for Lawyer LICENSEES/ Law Firms 2008 E x c e s s l i a b i l i t y i n s u r a n c e Contents Excess Insurance Policy.........................................................

More information

Pension and Welfare Benefit Plan

Pension and Welfare Benefit Plan Pension and Welfare Benefit Plan Fiduciary Liability Insurance Policy Executive Risk Indemnity Inc. Home Office: 2711 Centerville Road, Suite 400 Wilmington, DE 19808 Administrative Offices/Mailing Address:

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

LLOYD'S OF LONDON ARCHITECTS/ENGINEERS PROFESSIONAL LIABILITY CLAIMS MADE AND REPORTED INSURANCE POLICY NOTICE

LLOYD'S OF LONDON ARCHITECTS/ENGINEERS PROFESSIONAL LIABILITY CLAIMS MADE AND REPORTED INSURANCE POLICY NOTICE LLOYD'S OF LONDON ARCHITECTS/ENGINEERS PROFESSIONAL LIABILITY CLAIMS MADE AND REPORTED INSURANCE POLICY NOTICE This is a claims made and reported Policy. Unless stated otherwise coverage afforded under

More information

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY TUDOR INSURANCE COMPANY KEENE, NEW HAMPSHIRE (A stock company, herein called the Insurer)

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY TUDOR INSURANCE COMPANY KEENE, NEW HAMPSHIRE (A stock company, herein called the Insurer) ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY TUDOR INSURANCE COMPANY KEENE, NEW HAMPSHIRE (A stock company, herein called the Insurer) THIS IS A CLAIMS MADE AND REPORTED POLICY PLEASE READ CAREFULLY

More information

Specimen. Professional Liability Insurance Policy Lawyers

Specimen. Professional Liability Insurance Policy Lawyers Professional Liability Insurance Policy Lawyers ZURICH-AMERICAN INSURANCE GROUP Insurance is provided by the company designated on the declaration page. (A stock insurance company, herein called the Company)

More information

Policy 2014. Excess Professional Liability Insurance

Policy 2014. Excess Professional Liability Insurance Policy 2014 Excess Professional Liability Insurance for LAWYERS/ Law Firms LAWPRO name and LAWPRO logo are registered trademarks of Lawyers Professional Indemnity Company. E x c e s s L i a b i l i t y

More information

MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE AND REPORTED BASIS

MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE AND REPORTED BASIS This Form Provides Claims-Made Coverage. Please Read The Entire Form Completely. MISCELLANEOUS PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS MADE AND REPORTED BASIS Throughout this document, the word Insured

More information

CATLIN PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE

CATLIN PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE CATLIN PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE ERRORS AND OMISSIONS WORDING DECLARATIONS POLICY NUMBER: Attaching to and forming part of CATLIN LAWYERS PROFESSIONAL LIABILITY INSURANCE 1. NAMED

More information

ACCOUNTANTS PROFESSIONAL LIABILITY INSURANCE POLICY

ACCOUNTANTS PROFESSIONAL LIABILITY INSURANCE POLICY ACCOUNTANTS PROFESSIONAL LIABILITY INSURANCE POLICY THIS IS A CLAIMS MADE AND REPORTED POLICY. PLEASE READ IT CAREFULLY. In consideration of the payment of the premium and in reliance upon the statements

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 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

MEDICAL PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE BASIS

MEDICAL PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE BASIS MEDICAL PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE BASIS Coverage under this insurance policy is limited to Claims (a) first made against the Insured for the rendering of or failure to render Medical

More information

Policy 2015. Excess Professional Liability Insurance

Policy 2015. Excess Professional Liability Insurance Policy 2015 Excess Professional Liability Insurance for LAWYERS/ Law Firms LAWPRO name and LAWPRO logo are registered trademarks of Lawyers Professional Indemnity Company. E x c e s s L i a b i l i t y

More information

Specified Products and Completed Operations Insurance Policy

Specified Products and Completed Operations Insurance Policy Specified Products and Completed Operations Insurance Policy In consideration of the payment of the premium, the undertaking of the Named Insured to pay the deductible as described herein and in the amount

More information

ARCHITECTS and ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY

ARCHITECTS and ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY ARCHITECTS and ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY TABLE OF CONTENTS Policy Provision Page DECLARATIONS DEFINITIONS CLAIM... 1 CLAIM EXPENSES... 1 COMPANION CLAIM... 1 DAMAGES... 2 INSURED...

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

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

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

MISCELLANEOUS MEDICAL PROFESSIONAL LIABILITY INSURANCE Claims-Made

MISCELLANEOUS MEDICAL PROFESSIONAL LIABILITY INSURANCE Claims-Made MISCELLANEOUS MEDICAL PROFESSIONAL LIABILITY INSURANCE Claims-Made THIS IS A CLAIMS-MADE AND REPORTED POLICY. PLEASE READ THIS POLICY CAREFULLY. OUR LIMIT OF LIABILITY AVAILABLE WILL BE REDUCED BY THE

More information

FEDERAL EMPLOYEE PROFESSIONAL LIABILITY INSURANCE POLICY CERTIFICATE (CLAIMS MADE & REPORTED)

FEDERAL EMPLOYEE PROFESSIONAL LIABILITY INSURANCE POLICY CERTIFICATE (CLAIMS MADE & REPORTED) FEDERAL EMPLOYEE PROFESSIONAL LIABILITY INSURANCE POLICY CERTIFICATE (CLAIMS MADE & REPORTED) This Policy covers Claims first made against you and reported to us in writing during the Policy Period. Certain

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

Insurance Agents and Brokers Professional Liability Insurance Policy

Insurance Agents and Brokers Professional Liability Insurance Policy LIBERTY INSURANCE UNDERWRITERS INC. (hereinafter called the Company ): In consideration of and subject to the payment of the premium, the agreement of the Named Insured to pay the Deductible amount stated

More information

Specimen THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE COVERAGE LIMITS. PLEASE READ THE POLICY CAREFULLY.

Specimen THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE COVERAGE LIMITS. PLEASE READ THE POLICY CAREFULLY. LIABILITY COVERAGE TERMS AND CONDITIONS THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE COVERAGE LIMITS. PLEASE READ THE POLICY CAREFULLY. CONSIDERATION CLAUSE IN CONSIDERATION

More information

INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY POLICY

INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY POLICY A Stock Insurance Company, herein called the Company INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY POLICY THIS POLICY APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED DURING THE POLICY PERIOD

More information

PUBLIC ENTITY POLICY PUBLIC OFFICIALS LIABILITY COVERAGE FORM CLAIMS MADE COVERAGE

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

More information

College of Veterinary Medicine Student Professional Liability Insurance Policy

College of Veterinary Medicine Student Professional Liability Insurance Policy College of Veterinary Medicine Student Professional Liability Insurance Policy This policy is an Occurrence Policy. Read the entire policy carefully to determine rights, duties and what is and what is

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

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

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

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

Law Enforcement Liability Policy

Law Enforcement Liability Policy Law Enforcement Liability Policy Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy

More information

Locum Tenens and Contract Staffing Services Professional Liability Insurance

Locum Tenens and Contract Staffing Services Professional Liability Insurance Locum Tenens and Contract Staffing Services Professional Liability Insurance In consideration of the payment of the premium, the undertaking of the Named Insured to pay the deductible as described herein

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

PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE POLICY NOTICE THIS IS A CLAIMS-MADE AND REPORTED POLICY. PLEASE REVIEW THE POLICY CAREFULLY.

PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE POLICY NOTICE THIS IS A CLAIMS-MADE AND REPORTED POLICY. PLEASE REVIEW THE POLICY CAREFULLY. PRIMARY LAWYERS PROFESSIONAL LIABILITY INSURANCE POLICY NOTICE THIS IS A CLAIMS-MADE AND REPORTED POLICY. PLEASE REVIEW THE POLICY CAREFULLY. THE POLICY IS LIMITED TO LIABILITY FOR ONLY THOSE CLAIMS THAT

More information

(CLAIMS MADE) NONPROFIT DIRECTORS AND OFFICERS LIABILITY INSURANCE POLICY

(CLAIMS MADE) NONPROFIT DIRECTORS AND OFFICERS LIABILITY INSURANCE POLICY (CLAIMS MADE) NONPROFIT DIRECTORS AND OFFICERS LIABILITY INSURANCE POLICY THIS POLICY APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED AND REPORTED TO THE COMPANY DURING THE POLICY YEAR OR THE EXTENDED

More information

LAWYERS PROFESSIONAL LIABILITY POLICY

LAWYERS PROFESSIONAL LIABILITY POLICY THIS IS A CLAIMS-MADE POLICY. PLEASE READ IT CAREFULLY. LAWYERS PROFESSIONAL LIABILITY POLICY Preface This policy provides professional liability protection for your law firm. The terms we, us, and our

More information

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY

ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE POLICY THIS IS A CLAIMS-MADE AND REPORTED POLICY. VARIOUS PROVISIONS IN THIS POLICY RESTRICT COVERAGE. THIS POLICY CONTAINS IMPORTANT EXCLUSIONS

More information

CATLIN ERRORS & OMISSIONS INSURANCE. Specimen

CATLIN ERRORS & OMISSIONS INSURANCE. Specimen CATLIN ERRORS & OMISSIONS INSURANCE ERRORS & OMISSIONS INSURANCE NOTICE: This is a Claims made form. Except to such extent as may otherwise be provided herein, the coverage afforded under this insurance

More information

Executive Liability Insurance Policy

Executive Liability Insurance Policy Executive Liability Insurance Policy Including Company Reimbursement Executive Risk Indemnity Inc. Home Office: 1013 Centre Road Wilmington, Delaware 19805-1297 Administrative Offices/Mailing Address:

More information

INSURANCE COMPANY ERRORS AND OMISSIONS POLICY

INSURANCE COMPANY ERRORS AND OMISSIONS POLICY INSURANCE COMPANY ERRORS AND OMISSIONS POLICY In consideration of the payment of the premium, in reliance upon the statements in the Application attached hereto and made a part hereof, subject to the Declarations

More information

PROFESSIONAL LIABILITY INSURANCE POLICY

PROFESSIONAL LIABILITY INSURANCE POLICY Policy Number: Insured Name: INDUSTRIAL FINANCE GROUP INC Number: Effective Date: 05/01/2011 PROFESSIONAL LIABILITY INSURANCE POLICY THIS IS A CLAIMS MADE AND REPORTED POLICY WHICH APPLIES ONLY TO CLAIMS

More information

LOCAL GOVERNMENT SELF-INSURANCE COVERAGE DOCUMENT 15/17 BIENNIUM

LOCAL GOVERNMENT SELF-INSURANCE COVERAGE DOCUMENT 15/17 BIENNIUM LOCAL GOVERNMENT SELF-INSURANCE COVERAGE DOCUMENT 15/17 BIENNIUM PROVIDED BY STATE OF OREGON DEPARTMENT OF ADMINISTRATIVE SERVICES GOODS & SERVICES, RISK MANAGEMENT PAGE 1 OF 13 TABLE OF CONTENTS Liability

More information

Real Estate Agents Errors and Omissions Liability Policy

Real Estate Agents Errors and Omissions Liability Policy Real Estate Agents Errors and Omissions Liability Policy NOTICE: THIS IS A CLAIMS-MADE POLICY. PLEASE REVIEW THE POLICY CAREFULLY. UNLESS OTHERWISE PROVIDED HEREIN, THE COVERAGE OF THIS POLICY IS LIMITED

More information

HUDSON INSURANCE COMPANY ARCHITECTS, ENGINEERS & ENVIRONMENTAL SERVICES PROFESSIONAL LIABILITY INSURANCE POLICY

HUDSON INSURANCE COMPANY ARCHITECTS, ENGINEERS & ENVIRONMENTAL SERVICES PROFESSIONAL LIABILITY INSURANCE POLICY HUDSON INSURANCE COMPANY ARCHITECTS, ENGINEERS & ENVIRONMENTAL SERVICES PROFESSIONAL LIABILITY INSURANCE POLICY This is a Claims Made and Reported Policy. Please Read it Carefully. All words that are in

More information

PROFESSIONAL LIABILITY US DIRECT ERRORS AND OMISSIONS INSURANCE

PROFESSIONAL LIABILITY US DIRECT ERRORS AND OMISSIONS INSURANCE INSURANCE ABOUT THIS POLICY The Hiscox Professional Liability US Direct policy is designed to offer coverage for the risks entities face in performing their Professional Services. We urge You to read this

More information

"Insurance Services Office, Inc. Copyright"

Insurance Services Office, Inc. Copyright POLICY NUMBER: COMMERCIAL AUTO CA 25 34 12 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. "Insurance Services Office, Inc. Copyright" This form has been promulgated by the Virginia State

More information

INVESTMENT FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART

INVESTMENT FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART INVESTMENT FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART THIS IS A CLAIMS MADE COVERAGE PART WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY.

More information

Argonaut Insurance Company

Argonaut Insurance Company IN WITNESS WHEREOF, the Company has caused this policy to be signed by its President and Secretary as duly authorized representatives of the Company. Michael E. Arledge, President Craig Comeaux, Secretary

More information

Bankers Professional Liability Policy STEADFAST INSURANCE COMPANY

Bankers Professional Liability Policy STEADFAST INSURANCE COMPANY Bankers Professional Liability Policy STEADFAST INSURANCE COMPANY TABLE OF CONTENTS I. INSURING CLAUSE 3 II. DEFENSE AND SETTLEMENT 3 III. DEFINITIONS 3 IV. EXCLUSIONS 5 V. GENERAL CONDITIONS AND LIMITATIONS

More information

SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY

SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY DECLARATIONS Policy Number: Chubb Insurance Company of Europe SE (herein called the Company ) Item 1. Policyholder: Address Item 2. Limit of Liability:

More information

EDUCATORS LEGAL LIABILITY COVERAGE PART DECLARATIONS (Claims Made Form)

EDUCATORS LEGAL LIABILITY COVERAGE PART DECLARATIONS (Claims Made Form) EDUCATORS LEGAL LIABILITY COVERAGE PART DECLARATIONS (Claims Made Form) Policy No. NAMED INSURED: ITEM 1: POLICY PERIOD: POLICY COVERS FROM: TO: 12:01 A.M. standard time at your mailing address shown above.

More information

Specimen THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY.

Specimen THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. MISCELLANEOUS PROFESSIONAL LIABILITY THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. I. INSURING AGREEMENTS

More information

The Solution for General Partnership Liability Coverage Part

The Solution for General Partnership Liability Coverage Part The Solution for General Partnership Liability Coverage Part In consideration of the payment of the premium and subject to the General Terms and Conditions, the Insurer and the Insureds agree as follows:

More information

LAWYERS PROFESSIONAL LIABILITY POLICY

LAWYERS PROFESSIONAL LIABILITY POLICY LAWYERS PROFESSIONAL LIABILITY POLICY LAWYERS PROFESSIONAL LIABILITY POLICY Words and phrases that appear in bold are defined in the Definitions section of this Policy. THIS IS A CLAIMS MADE AND REPORTED

More information

THIS IS A CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY.

THIS IS A CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. Wrap Miscellaneous Professional Liability SM THIS IS A CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. I. INSURING AGREEMENTS A. The Company

More information

LAWYERS PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE POLICY COVERAGE

LAWYERS PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE POLICY COVERAGE LAWYERS PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE POLICY COVERAGE WE will pay, subject to OUR limit of liability, all DAMAGES the INSURED may be legally obligated to pay and CLAIM EXPENSE(S), due to

More information

CORNERSTONE A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM

CORNERSTONE A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM CORNERSTONE 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

b. The Insurer will pay on behalf of the Insured, Damages in excess of the Deductible and not exceeding the Limits of

b. The Insurer will pay on behalf of the Insured, Damages in excess of the Deductible and not exceeding the Limits of Policy Number: RLI Insurance Company Target Professionals TM Liability Policy NOTICE: This Policy covers only those Claims first made against the Insured during the Policy Period and first reported to

More information

PREMISES LIABILITY INSURANCE

PREMISES LIABILITY INSURANCE PREMISES LIABILITY INSURANCE INTRODUCTION We encourage you to read the entire policy. Words in bold print, other than titles and headings, have the meaning given them in the DEFINITIONS section. REPRESENTATIONS

More information

EMPLOYED LAWYERS PROFESSIONAL LIABILITY CLAIMS-MADE AND REPORTED POLICY

EMPLOYED LAWYERS PROFESSIONAL LIABILITY CLAIMS-MADE AND REPORTED POLICY EMPLOYED LAWYERS PROFESSIONAL LIABILITY CLAIMS-MADE AND REPORTED POLICY NOTICE Except to such extent as may otherwise be provided herein, the coverage of this policy is limited to liability for only those

More information

Contractors Pollution Liability Policy

Contractors Pollution Liability Policy The insurance company shown in the Declarations (hereinafter "the Company") in consideration of the payment of the premium and the undertaking of the named insured to pay the Deductible described hereunder,

More information

Cover-Pro sm PROFESSIONAL LIABILITY INSURANCE POLICY THIS IS A CLAIMS MADE POLICY - PLEASE READ IT CAREFULLY

Cover-Pro sm PROFESSIONAL LIABILITY INSURANCE POLICY THIS IS A CLAIMS MADE POLICY - PLEASE READ IT CAREFULLY Cover-Pro sm PROFESSIONAL LIABILITY INSURANCE POLICY THIS IS A CLAIMS MADE POLICY - PLEASE READ IT CAREFULLY In consideration of the payment of the premium and in reliance upon all statements and information

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

ACCOUNTANTS & CONSULTANTS PROFESSIONAL LIABILITY INSURANCE POLICY

ACCOUNTANTS & CONSULTANTS PROFESSIONAL LIABILITY INSURANCE POLICY ACCOUNTANTS & CONSULTANTS PROFESSIONAL LIABILITY INSURANCE POLICY THIS POLICY IS WRITTEN ON A CLAIMS-MADE AND REPORTED BASIS AND, SUBJECT TO ITS PROVISIONS, APPLIES ONLY TO CLAIMS FIRST MADE AGAINST YOU

More information

Excess Lawyers Professional Liability Policy DECLARATIONS. Attaching to and forming part of

Excess Lawyers Professional Liability Policy DECLARATIONS. Attaching to and forming part of Excess Lawyers Professional Liability Policy DECLARATIONS Attaching to and forming part of THIS IS A CLAIMS MADE EXCESS PROFESSIONAL LIABILITY INSURANCE - PLEASE READ CAREFULLY AND DISCUSS WITH YOUR INSURANCE

More information

DECLARATIONS INVESTMENT COMPANY ASSET 15 Mountain View Road, Warren, New Jersey 07059 PROTECTION LIABILITY POLICY

DECLARATIONS INVESTMENT COMPANY ASSET 15 Mountain View Road, Warren, New Jersey 07059 PROTECTION LIABILITY POLICY Chubb Group of Insurance Companies DECLARATIONS INVESTMENT COMPANY ASSET 15 Mountain View Road, Warren, New Jersey 07059 PROTECTION LIABILITY POLICY ITEM 1. Parent Organization (Name and Address): Policy

More information

A SUMMARY OF EDUCATORS PROFESSIONAL LIABILITY INSURANCE FOR CONGRESS OF HOUSTON TEACHERS

A SUMMARY OF EDUCATORS PROFESSIONAL LIABILITY INSURANCE FOR CONGRESS OF HOUSTON TEACHERS A SUMMARY OF EDUCATORS PROFESSIONAL LIABILITY INSURANCE FOR CONGRESS OF HOUSTON TEACHERS SCHEDULE OF COVERAGE Limits of Liability Coverage A -- $2,000,000 per Insured per occurrence $3,000,000 per occurrence

More information

PROFESSIONAL LIABILITY ERRORS & OMISSIONS INSURANCE

PROFESSIONAL LIABILITY ERRORS & OMISSIONS INSURANCE PROFESSIONAL LIABILITY ERRORS & OMISSIONS INSURANCE (This Insurance Is Written On A Claims Made and Reported Basis) THIS POLICY IS LIMITED TO LIABILITY FOR ONLY THOSE CLAIMS THAT ARE FIRST MADE AGAINST

More information

LAWYERS' PROFESSIONAL LIABILITY INSURANCE POLICY

LAWYERS' PROFESSIONAL LIABILITY INSURANCE POLICY LAWYERS' PROFESSIONAL LIABILITY INSURANCE POLICY NOTICE - THIS IS A CLAIMS MADE AND REPORTED POLICY. PLEASE READ IT CAREFULLY. COVERAGE APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED DURING THE

More information

Professional Indemnity & Infidelity Insurance For Stock Brokers, Investment Consultants, Underwriters, Portfolio or Fund Managers

Professional Indemnity & Infidelity Insurance For Stock Brokers, Investment Consultants, Underwriters, Portfolio or Fund Managers Professional Indemnity & Infidelity Insurance For Stock Brokers, Investment Consultants, Underwriters, Portfolio or Fund Managers Whereas the Insured as herein defined has submitted a written proposal,

More information

Policy Wording. Directors and Officers Liability and Company Reimbursement. Issued to Eligible Emergency Resource Providers by VMIA

Policy Wording. Directors and Officers Liability and Company Reimbursement. Issued to Eligible Emergency Resource Providers by VMIA Policy Wording Directors and Officers Liability and Company Reimbursement Issued to Eligible Emergency Resource Providers by VMIA For the period date 30 June 2014 to 30 June 2015 Contents Directors and

More information

Professional Indemnity Insurance ( 蘇 黎 世 產 物 專 業 責 任 保 險 )

Professional Indemnity Insurance ( 蘇 黎 世 產 物 專 業 責 任 保 險 ) 免 費 保 戶 服 務 電 話 :0800-880550 資 訊 公 開 查 詢 : http://www.zurich.com.tw 免 費 申 訴 電 話 :0800-501888 消 費 者 可 至 本 公 司 總 分 支 機 構 網 址 查 閱 或 索 取 書 面 資 訊 公 開 說 明 文 件 本 商 品 經 本 公 司 合 格 簽 署 人 員 檢 視 其 內 容 業 已 符 合 保 險

More information

Miscellaneous Errors and Omissions Liability Insurance

Miscellaneous Errors and Omissions Liability Insurance Doral Bank Center, Suite 5A 1445 Ave. Roosevelt San Juan, Puerto Rico 00920-2717 Tel. (787) 274-4700 Fax No. (787) 754-6613 ACE INSURANCE COMPANY Miscellaneous Errors and Omissions Liability Insurance

More information

Professional Indemnity Insurance Policy

Professional Indemnity Insurance Policy Table of Contents Introduction... 1 Page Definitions... 1 Act of Terrorism... 1 Claim... 1 Documents... 1 Excess... 1 Inquiring Body... 1 Inquiry Costs... 1 Insured... 2 Insured Costs... 2 Insurer... 2

More information

MISCELLANEOUS PROFESSIONAL LIABILITY ERRORS AND OMISSIONS INSURANCE TABLE OF CONTENTS

MISCELLANEOUS PROFESSIONAL LIABILITY ERRORS AND OMISSIONS INSURANCE TABLE OF CONTENTS MISCELLANEOUS PROFESSIONAL LIABILITY ERRORS AND OMISSIONS INSURANCE TABLE OF CONTENTS A. DEFINITIONS... 1 B. WHAT IS COVERED... 2 C. SUPPLEMENTARY PAYMENTS... 3 D. DEFENSE AND SETTLEMENT... 3 E. LIMITS

More information

MANAGEMENT LIABILITY AND COMPANY REIMBURSEMENT INSURANCE COVERAGE FORM

MANAGEMENT LIABILITY AND COMPANY REIMBURSEMENT INSURANCE COVERAGE FORM MANAGEMENT LIABILITY AND COMPANY REIMBURSEMENT 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.

More information

Fiduciary Liability Policy

Fiduciary Liability Policy Fiduciary Liability Policy Declarations Insurance is provided by the following Company: Zurich American Insurance Company Policy Number: Item 1. Parent Company and address: Item 2. Limits of Liability:

More information

BEAZLEY ARMOUR SIDE A DIRECTORS AND OFFICERS LIABILITY INSURANCE POLICY

BEAZLEY ARMOUR SIDE A DIRECTORS AND OFFICERS LIABILITY INSURANCE POLICY BEAZLEY ARMOUR SIDE A DIRECTORS AND OFFICERS LIABILITY INSURANCE POLICY In consideration of the payment of the premium, in reliance on all statements made in the application and subject to all of the provisions

More information

LAWYERS PROFESSIONAL LIABILITY INSURANCE POLICY

LAWYERS PROFESSIONAL LIABILITY INSURANCE POLICY LAWYERS PROFESSIONAL LIABILITY INSURANCE POLICY PLEASE READ THE ENTIRE POLICY CAREFULLY CLAIMS MADE AND REPORTED POLICY THIS IS A CLAIMS MADE AND REPORTED INSURANCE POLICY. THEREFORE, AS A CONDITION PRECEDENT

More information

MANAGEMENT AND COMPANY LIABILITY COVERAGE PART

MANAGEMENT AND COMPANY LIABILITY COVERAGE PART MANAGEMENT AND COMPANY LIABILITY COVERAGE PART THIS COVERAGE PART PROVIDES CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY. In

More information

General Liability Insurance

General Liability Insurance General Liability Insurance Insurance Company: Alberta School Boards Insurance Exchange (ASBIE) Insuring Agreement ASBIE agrees to pay on behalf of the Subscriber all sums that they are legally obligated

More information

LAWYERS PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE POLICY

LAWYERS PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE POLICY LAWYERS PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE POLICY COVERAGE WE will pay all sums up to the limit of OUR liability, which the INSURED may be legally obligated to pay as DAMAGES due to any CLAIM:

More information

Medical Liability Insurance Related Problems and Damages in Medical Malpractice Lawsuits Stephen Ballantine

Medical Liability Insurance Related Problems and Damages in Medical Malpractice Lawsuits Stephen Ballantine Medical Liability Insurance Related Problems and Damages in Medical Malpractice Lawsuits Stephen Ballantine 3 rd Arab Conference on Medical Liability Workshop 12 November 2014 1 INTRODUCTION 1. Objectives

More information

Mutual of Enumclaw Insurance Company Personal Umbrella Liability Policy

Mutual of Enumclaw Insurance Company Personal Umbrella Liability Policy Mutual of Enumclaw Insurance Company Personal Umbrella Liability Policy Home Office: 1460 Wells Street, Enumclaw, Washington 98022 (a mutual insurance company, herein referred to as the Company.) Ready

More information

AIG Taiwan Insurance Financial Institutions Professional Indemnity Policy

AIG Taiwan Insurance Financial Institutions Professional Indemnity Policy 查 詢 本 公 司 資 訊 公 開 說 明 文 件, 請 上 本 公 司 網 站, 網 址 :www.aig.com.tw, 或 至 本 公 司 索 取 免 費 申 訴 電 話 :0800-866588 AIG Taiwan Insurance Financial Institutions Professional Indemnity Policy THIS IS A CLAIMS MADE POLICY

More information

Policy Wording. Professional Indemnity Insurance. Issued to Eligible Emergency Resource Providers by VMIA

Policy Wording. Professional Indemnity Insurance. Issued to Eligible Emergency Resource Providers by VMIA Policy Wording Professional Indemnity Insurance Issued to Eligible Emergency Resource Providers by VMIA For the period date 30 June 2015 to 30 June 2016 Contents Professional Indemnity Policy... 3 Definitions...

More information

EMPLOYMENT PRACTICES LIABILITY INSURANCE COVERAGE PART ENDORSEMENT

EMPLOYMENT PRACTICES LIABILITY INSURANCE COVERAGE PART ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CF-2102 (Ed. 9-15) EMPLOYMENT PRACTICES LIABILITY INSURANCE COVERAGE PART ENDORSEMENT THIS ENDORSEMENT PROVIDES CLAIMS MADE AND REPORTED COVERAGE.

More information

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL

More information

CONTRACTOR S ERRORS AND OMISSIONS COVERAGE FORM CLAIMS-MADE

CONTRACTOR S ERRORS AND OMISSIONS COVERAGE FORM CLAIMS-MADE Notice: This insurance coverage is provided on a claims-made basis. Coverage is limited to liability for injuries for which claims are first made against the insured while the insurance is in force. Please

More information

ERRORS AND OMISSIONS INSURANCE COVERAGE FORM

ERRORS AND OMISSIONS INSURANCE COVERAGE FORM ERRORS AND OMISSIONS INSURANCE COVERAGE FORM NOTICE: This is a Claims Made and Reported Coverage Form. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 34 12 07 LIQUOR LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage.

More information

Charities insurance - trustees and individual liability Policy wording

Charities insurance - trustees and individual liability Policy wording The General terms and conditions and the following terms and conditions all apply to this section. Special definitions for this section Bail costs Claim Crisis containment costs Defence costs Employee

More information

Alliance Insurance Company of Zimbabwe (Private) Limited

Alliance Insurance Company of Zimbabwe (Private) Limited Alliance Insurance Company of Zimbabwe (Private) Limited MEDICAL PROFESSIONAL INDEMNITY POLICY WHEREAS the Insured, as defined herein, has made to Insurers a written proposal or risk profile bearing the

More information

Cyber-Technology Policy Comparisons

Cyber-Technology Policy Comparisons Cyber-Technology Policy Comparisons ABA Insurance Internet/Electronic Banking Liability Insurance Policy (04/01) January, 2011 Endorsements Topic ACE Computer & Technology Products and Services Professional

More information