Manufacturing

Consider This Situation

A claimant was using a ladder from an insured manufacturer and distributor of ladders and ladder-based scaffolding equipment. While using the ladder to fix a roof soffit, it suddenly collapses and the claimant falls and strikes a wooden doorway, sustaining multiple injuries including a fractured vertebrae and elbow, separated shoulder and torn quad muscle.

Potential Liability: $250,000+

Our Coverage Recommendation

GENERAL LIABILITY AND UMBRELLA POLICY
In this case, the insured would need to have a General Liability policy with a sufficient products occurrence and aggregate limit. Additionally, we would recommend an umbrella policy with significant limits. An umbrella protects you if an individual claim is much larger than anticipated or if you have several claims related to the same defective products that exhaust your underlying limits.

BODILY INJURY ARISING OUT OF DEFECT IN PRODUCT

  • Deductible/Retention

    $1 Million

  • Limit

    $25 Million

  • Liability Type

    Product

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Are You At Risk?

Find out more about specific insurance products for the manufacturing industry.


Technology

Consider This Situation

A software developer was sued for failing to deliver an operational version of a software system. The plaintiff alleged that the software sold and installed was not compatible with its current mainframe, despite assurances by the developer that the system would be operational. The plaintiff sued for recovery of consequential damages.

Potential Liability: $1,500,000+

Our Coverage Recommendation

ERRORS AND OMISSIONS COVERAGE
Technology Errors and Omissions coverage is broader than the standard general liability policy. A software developer needs coverage tailored to their specific exposures.

SOFTWARE FAILS TO OPERATE

  • Deductible/Retention

    $25,000

  • Limit

    $5,000,000

  • Liability Type

    Errors & Omissions

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Find out more about specific insurance products for the technology industry.


Non-Profit

Consider This Situation

A museum agreed to loan a collection of artwork to a university. During transit from the museum to the university, several pieces of art were stolen.

Potential Liability: $150,000+

Our Coverage Recommendation

FINE ARTS FLOATER, INCLUDING TRANSIT
Most property policies have a relatively low sublimit on fine arts and exclude coverage while the property is off premises. A Fine Arts floater, including Transit allows you to specifically schedule and value your collection and extends the coverage while in transit.

STOLEN ARTWORK

  • Deductible/Retention

    $10,000

  • Limit

    $10,000,000

  • Liability Type

    Inland Marine

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Are You At Risk?

Find out more about specific insurance products for the non-profitindustry.


Commercial Real Estate

Consider This Situation

A real estate management company’s building maintenance worker treated an office building with pesticides due to an infestation of cockroaches. The employee over sprayed, and multiple tenants complained of headaches, breathing disorders and skin rashes.

Potential Liability: $75,000+

Our Coverage Recommendation

GENERAL LIABILITY PREMISES & OPERATIONS, ENDORSED TO INCLUDE APPLICATORS LIABILITY COVERAGE
While these claims may potentially be covered under general liability, there is the possibility the carrier may invoke the pollution exclusion. Recognizing this exposure and purchasing the appropriate endorsements ensures full coverage.

PESTICIDES HARM TENANTS

  • Deductible/Retention

    None – First Dollar Coverage

  • Limit

    $1,000,000

  • Liability Type

    General or Environmental Impairment

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Are You At Risk?

Find out more about specific insurance products for the real estate industry.


Life Sciences

Consider This Situation

A medical device company’s hip implant failed to properly bond with the bone causing dislocation, pain, swelling, and the inability to walk.

Potential Liability: $2,000,000+

Our Coverage Recommendation

PRODUCTS LIABILITY
In their pursuit to improve human quality of life, there are significant exposures associated with the development and use of life science products as they are ingested and/or utilized by people. Therefore it is recommended to work with a carrier that understands your products and is willing to provide sufficient limits to protect you against this exposure.

MESH INJURES PATIENTS

  • Deductible/Retention

    $100,000

  • Limit

    $10,000,000

  • Liability Type

    Products

More Information

Are You At Risk?

Find out more about specific insurance products for the life sciences industry.


Education

Consider This Situation

Student alleged that he was harassed from 8th to 11th grade by various classmates. He stated that his parents complained to school officials regarding the harassment, but the school failed to take any action to remedy the situation. The Plaintiff alleged that the harassment was mostly verbal, but there were also some physical altercations as well as disparaging comments about him on an online webpage. The Plaintiff further alleged the child did not receive a sufficient education as a result of the harassment.

Potential Liability: $200,000+

Our Coverage Recommendation

PROFESSIONAL LIABILITY
As professional educators, schools are held to a high standard regarding their obligations to the students. Many general liability policies exclude or limit coverage for these sorts of exposures. An Educators Legal liability can be tailored to provide the necessary protection.

HARASSMENT

  • Deductible/Retention

    $50,000

  • Limit

    $1,000,000

  • Liability Type

    Professional (Educators Legal Liability)

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Are You At Risk?

Find out more about specific insurance products for the education industry.


Global / International

Consider This Situation

A German national is employed by U.S. multinational company to work in Qatar. Employee is injured in Qatar in the course and scope of performing his duties for the U.S. multinational and as a result he is disabled for 30 days. Employee receives medical treatment in Qatar. Qatar does not have a local workers compensation scheme. Germany does have a workers compensation scheme, but benefits are limited to injuries that take place in Germany.

Potential Liability: $15,000+

Our Coverage Recommendation

FOREIGN PACKAGE
The U.S. multinational company could potentially be liable for a workers compensation claim presented in the United States. Qatar does not have a workers compensation scheme, and Germany’s would exclude this situation. The U.S. Company’s domestic workers compensation policy would also exclude this exposure. The Foreign Voluntary Workers Compensation Policy is designed to cover it.

FOREIGN VOLUNTARY WORKERS COMP BENEFITS

  • Deductible/Retention

    None

  • Limit

    Unlimited

  • Liability Type

    Workers Compensation

More Information

Are You At Risk?

Find out more about specific insurance products for the global/international industry.


Specialty Contracting

Consider This Situation

A line cabling company was hired to install underground coaxial cable and internet system for a large office complex that was being constructed. The complex would have multiple offices, which required underground wiring. Following installation and before construction completion, the coax system was tested by an engineer. The system failed, and an investigation determined that the coax cable called for in the design was not appropriate for underground burial.

Potential Liability: $220,000+

Our Coverage Recommendation

PROFESSIONAL LIABILITY/ERRORS & OMISSIONS
In this instance, the contractor was representing themselves as experts in determining the appropriate cable specifications and installation. This exposure goes far beyond that covered under a standard general liability policy. The Professional Liability policy serves to address these additional exposures.

INAPPROPRIATE CABLING

  • Deductible/Retention

    $10,000

  • Limit

    $1,000,000

  • Liability Type

    Errors & Omissions

More Information

Are You At Risk?

Find out more about specific insurance products for the special contracting industry.


Hospitality

Consider This Situation

A food caterer was also responsible for the alcohol service at a wedding reception. On the way home from the reception, one of the guests was involved in an accident. It was later determined the driver was above the legal blood alcohol limit. As a result of the accident, one of his passengers was paralyzed and another suffered permanent injuries. Both of the injured parties brought suit against the caterer.

Potential Liability: $1,000,000+

Our Coverage Recommendation

GENERAL LIABILITY/LIQUOR LIABILITY INCLUDING UMBRELLA
Since the caterer is in the business of serving alcohol, they have an affirmative duty to ensure patrons are not overserved. This exposure is excluded under a non-endorsed general liability policy, so a liquor liability policy would be required. Due to the catastrophic nature of the injuries detailed, it is likely the exposure would exceed the underlying policy limits.

CATERER NEGLIGENT FOR ALCOHOL RELATED ACCIDENT

  • Deductible/Retention

    None – First Dollar

  • Limit

    $5,000,000

  • Liability Type

    Liquor

More Information

Are You At Risk?

Find out more about specific insurance products for the hospitality industry.


Legal

Consider This Situation

An attorney represented a client who had been injured in an automobile accident. The attorney missed a deadline for filing the complaint prior to the expiration of the statute of limitations. As a result the client filed suit.

Potential Liability: $200,000+

Our Coverage Recommendation

LAWYERS PROFESSIONAL LIABILITY
Attorneys are viewed as experts in their practice and therefore are held to a higher standard of care. This includes filing complaints on a timely basis in the correct jurisdiction.

MISSED STATUTE OF LIMITATIONS

  • Deductible/Retention

    $25,000

  • Limit

    $1,000,000

  • Liability Type

    Professional

More Information

Are You At Risk?

Find out more about specific insurance products for the legal industry.