- Property - ISO "Special Form", plus enhancement
- Business Interruption
- Equipment Breakdown
- Inland Marine, EDP
- General Liability - $1M/3M, per location aggregate
- Sonogram Liability Included
- STD Testing Included
- Special Events Included
- Professional Liability - Separate Limit $1M/$3M
- Physical/Sexual Abuse - Separate Limit $1M/$3M
- Automobile - enhancement with 18 coverage extensions
- Worker's Compensation - Guaranteed Cost
- Accident Coverage - Master Program for Volunteers, Participants, Teachers
- Directors & Officers Liability/EPLI - Special Amendatory Endorsement (various carriers)
- Umbrella (includes Abuse & Professional) - up to $10M
- Broad language for who is an insured, notice of occurrence, advertising injury, failure to disclose, bodily injury definition to include mental anguish and liberalization clause
- $1M Legal Liability extension for fire, sprinkler leakage, etc.
- $20K Medical Payments Limit
- Aggregate Limit PER LOCATION
- Violation of Patient's Rights
- Order and pay for all MVRs - agent no longer has to get them from the insured. Drivers with poor records can now be individually excluded. MVR guidelines are simplified and can be given to the insured.
- Plus Many Others!