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We offer a comprehensive menu of coverage for your staffing clients. Our package with "A-rated" carriers includes Staffing and PEO professional liability on an occurrence form attached to the general liability.
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
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