StaffPak - Coverage

Staffing Services Errors & Omissions
Special Features include:

• Occurrence Form
• Staffing specific terms and conditions
• GL limits $1 Million/$2 Million

General Liability
Special Features include:

• Blanket Additional Insured
• Blanket Waiver of Subrogation
• Per Job/Per Location/Aggregate
• Blanket Contractual
• Personal and Advertising Injury
• Employees as Insureds
• Host Liquor Liability
• Worldwide Liability for suits brought in the United States

Property
Special Features include:

• All Risk Coverage
• Replacement Cost Valuation
• Building Ordinance Coverage
• Agreed amount
• Back-up of sewers and drains

In addition, Customarq has a special limit of $250,000 that can be applied after a loss to the following at the insured's discretion:

• Accounts Receivable
• Electronic Data Processing Property
• Fine Arts
• Consequential Damage
• Extra Expense
• Fire Department Service Charges
• Leasehold Interest
• Personal Property of Employees
• Outdoor Trees, Shrubs, Plants and Lawns
• Valuable Papers
  

Chubb also includes 180 days automatic coverage for:

• $2,000,000 on any newly acquired or constructed building
• $1,000,000 personal property at any newly acquired building
• $1,000,000 newly acquired computer equipment
• $100,000 EDP media at any newly acquired location

Employee Dishonesty with Third Party Fidelity
Special Features include:

• Employee Theft
• Depositor's Forgery
• Computer Theft & Funds Transfer Fraud Coverage
• Money Orders and Counterfeit Paper Currency
• Credit Card Forgery

Automobile
Special Features include:

• Owned Auto Coverage (PPTs)
• Hired & Non-owned Auto Coverage
• Hired Care Physical Damage
• Employees as Insureds

Umbrella
Coverage will sit over:

• General Liability
• E&O
• Auto (Must be with an "A" rated carrier; limits must be $1,000,000)
• Employer Liability (Must be with an "A" rated carrier; limits must be $500,000)

Employment Practices Liability (stand-alone basis)
Special Features include:

• Available for Temporary Staffing Firms and PEOs
• Client Company Coverage
• Monthly/Quarterly reporting option for qualifying PEOs
• Punitive and Third Party Coverage (non-employee claims) is included for no additional premium
• Retaliatory actions covered
• Sexual and Non-Sexual Harassment claims are covered
• No “intentional acts” exclusion
• Broad definition of insured persons – including independent contractors
• Broad definition of employment practices wrongful act
• 70/30 Settlement Provision - Will pay 70% of amount, both judgment and defense costs, in excess of recommended settlement

Medical E&O (stand-alone basis)
Special Features include:

• Professional Liability (General Liability also available)
• Claims-Made (prior acts available)
• Coverage for Sexual Misconduct & Punitive Damages (available to qualifying risks)
• “A” Rated Carrier