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Presented by Sterling & Sterling, Inc. PowerPoint Presentation
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Presented by Sterling & Sterling, Inc.

Presented by Sterling & Sterling, Inc.

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Presented by Sterling & Sterling, Inc.

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  1. Riskpronet Programs Presentation Presented by Sterling & Sterling, Inc.

  2. Human Services Industry Practice

  3. Eligible Risks Outpatient Facilities – Mental and/or Behavioral Health Including: Addiction counselors/interventionists, auricular acupuncture, case workers, health educators, marriage and family therapists, personal coaches, rehabilitation counselors, social workers, wellness counselors. EAP’s – Employee Assistance Professionals Hired by employers for the purpose of offering an assessment and referral service for employees with respect to behavioral health.

  4. Ineligible Risks • Residential • Medical doctors • Nurses • Psychologists • Recreational exposure • Methadone clinis • Prison exposures greater than 20% • Applicants working with sex offenders, greater than 20% • Applicants with a felony conviction within the past 5 years • Applicants that have ever been convicted of violent felonies or sex abuse crimes • Applicants requesting coverage for 1099 workers whom also provide services elsewhere • Managed Care exposures

  5. Coverages Comprehensive General Liability Carrier: ACE American Insurance Company $1,000,000 Per Occurrence $3,000,000 Aggregate $1,000,000 Personal & Advertising Injury $1,000,000 Products Completed Operations $ 100,000 Damage to Premises Rented to You Professional Liability Carrier: ACE American Insurance Company $1,000,000 Per Occurrence $3,000,000 Aggregate

  6. Family Entertainment Center Insurance Program

  7. Eligible Activities Location Based FECs, whose activities include, but are not limited to • Video Arcades • Miniature golf centers • Soft Play • Bumper Cars • Driving Ranges • Bowling • Inflatable Rentals • Stand Alone Bowling Centers • Go-karts • Laser tag • Kiddie Rides • Bumper Boats • Paintball • Water slides • Ice Skating Rinks • Roller Rinks Risks that Require Referral Mechanical Bull – Bungee rides – Trampolines

  8. Ineligible Activities These Activities Represent Automatic Declination • Hang Gliding • Parasailing • Traveling Rides • Bungee Jumping • Sky Diving • Parachuting • Skateboarding • Hot Air Balloons • Luge • Night Clubs/Disco • Velcro Jumps • tobogganing

  9. Coverages Comprehensive General Liability Carrier: Interstate Fire and Casualty ISO CGL Occurrence Form $1,000,000 Per Occurrence $2,000,000 General Aggregate Per Location $1,000,000 Products/Completed Operations per Occurrence $1,000,000 Personal/Advertisers Liabilty per Occurrence $1,000,000 Auto Non-Ownership $1,000,000 Employee Benefits Liability $ 2,500 Self Insured Retention (with higher and lower limits available) Umbrella Liability Carrier: Lexington Insurance Company $5,000,000 Per Occurrence $5,000,000 Aggregate Per Location Excess over General Liability limits and $ 500,000 Employer’s Liability $1,000,000 Automobile Liability Umbrella Enhancements: Additional Insured Endorsements Blanket of Waiver of subrogation 60 Days Notice & Knowledge of Occurrence Unintentional Errors & Ommissions Sexual Abuse/Molestation not excluded Pollution exclusion covers hostile fire

  10. Coverages Property Insurance Carrier: Employers’ Fire Insurance Co. Covers: Real Property - including improvements & Betterments Personal Property - including EDP equipment Loss of Income -including Rental Value & Extra Expense Scheduled Property Floater Loss of Income: Specified Limit Equipment Breakdown: Included Property Enhancement Endorsement: Included Employee Dishonesty: $5,000, $10,000, $25,000 Monies & Securities: $5,000, $10,000, $25,000 Perils: Special causes of Loss, including back-up of sewers & drains Flood $500,000 Except in Tier 1, Flood Zones A Earthquake $500,000 Except in Tier 1, Flood Zones A Valuation: Replacement Cost Coinsurance: 80% or agreed Value Deductible: $1,000 Real & Personal Property Crime $500 (increases if higher limit selected) Sched Prop Floater $500 Windstorm 5% windstorm in Tier 1 Counties/Locations Flood & Quake $25,000 each

  11. Coverages Accident Insurance Carrier: National Union Fire Insurance Co. Covers All Customers/Attendees on the premises of a Policyholder Facility. Accident Medical/Dental Expense - $ 10,000 Accidental Death & Dismemberment (AD&D) - $ 10,000 Aggregate (applies to AD&D only) - $100,000 Deductible None This policy can absorb the Self Insured Retention costs that may be incurred as a result of medical only claims that would fall under the General Liability policy.

  12. Eligible Classes Habitational Classes: • Residential Condo Associations • Residential Apartments • Town Home/townhouse Associations • Cooperative Apartments Lessor’s Risk Only • Commercial Classes: • Office Buildings • Shopping Centers and strip Malls • Light industrial and warehouse Special Consideration for: Hotel/Motel/Casino and Resort exposures

  13. Ineligible Classes Referrals • Restaurants • Golf Courses • Marina or Marine • Partially Subsidized or low-income housing • Senior Housing • Vacant buildings • Schools • Over 25 Stories • Kick Outs • Assisted living facilities • 100% Subsidized or low income housing

  14. Program Offerings $100M Excess Over: • General Liability • Auto Liability • Employers Liability • Directors & Officers (for non-profit condo and co-operative boards) • And more…

  15. Carriers and Limits Flexible “tower” options for all spectrum of needs. Admitted Tower: $25M – Chubb $25M XS $25M Fireman’s Fund $25M XS $50M Ace $25M XS $75M Chubb Tower Advantages: Full Admitted Carriers Follow Form Lead up to $50M Follow Form Mold up to $100M Non-Admitted Tower 1: $10M – American International Specialty Lines $25M XS $10M Lexington $15M XS $35M Fireman’s Fund $25M XS $50M Lexington $25M XS $75M Navigators Non-Admitted Tower 2: $15M – Catlin $20M XS $15M Lexington $15M XS $35M Fireman’s Fund $25M XS $50M Lexington $25M XS $75M Navigators Tower Advantages: Follow Form Lead up to $100M Silent on Mold up to $15M Flexible Coverages and Pricing

  16. COMING SOON

  17. Reduce Risk. Spend Less.