Property Coverage 

• Extremely competitive rates on all construction types and sizes
• No limit on total insured values
• Earthquake and earth movement
• Flood and tsunami
• Private flood alternatives to National Flood Program (NFIP)
• Excess flood above National Flood Program
  • Includes loss of rents (disaster will affect many properties limiting available contractors resulting in a longer period for the restoration)
• Tax credit properties
  • Tax credit loss included as business income – keeping property in compliance
• Mold
  • Clean-up
  • Bodily injury
• Meth Lab
  • Clean up
  • Bodily Injury

Errors and Omissions

• Bodily injury can be deleted
• Can include coverage for owned properties
• Can include real estate agents errors and omissions, including the sale of owned properties

Employment Practices Liability Insurance

• Coverage for:
  • Fair housing claims
  • Third-party claims
  • Property owner included as insured
  • Wage and hour
  • Immigration policies

• We will work with you to get the policy language that works best for:
  • Employees (clearly defined)
  • Definition of a claim
  • Reporting time
  • Who needs to know – warranty statement
• Standalone tenant discrimination policy – protect yourself from claims and nuisance claims

General Liability and Excess Liability/Umbrella

• Many umbrella options including:
  • Forms with limits applicable per location
  • Pick up what underlying policies do not
  • Broad definition of personal injury which includes third-party claims if discrimination harassment or segregation
  • Broad definition of bodily injury to include mental anguish
  • Cleanup from pollution incident excess of insureds’ retention
  • Exhaustion of prior polices coverage, and more