E&O, D&O, and Special Events

Alternatively, you may just email a competitor’s renewal or original application to obtain a either a verbal or written quote.    We’ll respond to your request the same day or no later than 24 hours depending on the product.     Please call us at (252) 368-1174 with any questions regarding any of the products we have available through our brokerage service.

Private Company D&O or Management Liability Insurance

Private company directors and officers or management liability is designed to provide liability protection to management and the directors and officers with respect to their different fiduciary obligations to the company.   Private Company D&O forms typically offer multiple lines of coverage and are typically structured to provide flexibility, including shared or separate limits of liability.   Insured can typically tailor their insurance program to match their business needs.
How to obtain a quote: Simply provide us with a copy of the existing renewal application and/or original application, including the financial statements and submit here.   All binders will require the completion of the carriers application as a condition of binding

Agents/Brokers Errors and Omissions

Agents/Brokers E&O coverage is our most recent addition to our coverage offering. We’ve designed a broad coverage form in partnership with XL Insurance that provides you with the protection your agency needs. You can now obtain an immediate rate for Agents/Brokers E&O coverage by answering a few simple questions.

Coverage features*

  • Underwritten by XL Insurance (“A” Rated by A.M. Best)
  • Written on an Admitted basis
  • Premiums as low at $1,000
  • Limits up to $2,000,000/$4,000,000 
  • Retentions as low as $1,000
  • Full prior acts coverage available
  • Defense outside the limits available 

* With the completion of a long form application, we may be able to provide better terms and conditions than what is available in our rating application.
Agents E&O Application (Long form)
Agents E&O Policy Form
Agents E&O Dec Page
E&O Quote Steps

Cyber Liability Insurance

Its not just for technology companies, its for companies that use technology.   Cyber Liability insurance forms are typically tailored to fit the specific needs of the client; From small retail clients who used the internet to sell their product to technology consulting firms,  a Cyber Liability policy can offer the protection necessary to allow the insured to focus on what’s important, their business

Coverage features

  • Underwritten by an “A” Rated carrier by A.M. Best
  • Written on an Excess and Surplus Lines basis
  • Premiums as low at $500
  • Limits up to $5,000,000
  • Retentions as low as $2,500
  • Full prior acts coverage available

Cyber Liability Application (Short Form)
Cyber Liability Application (Long Form)
Cyber Liability Sell Sheet

Special Events – Special Events Liability
The Main Event® is designed to cover general liability and/or liquor liability at short term events.

Product Features

  • Automatic coverage for volunteers, temporary or leased workers and committee members
  • Food and beverage product liability included in the general aggregate
  • No deductibles
  • Expanded definition of bodily injury to include mental anguish
  • Medical payments coverage
  • Coverage for damage to rented premises
  • Personal and advertising injury is included

Optional Coverage

  • Property owner may be included as additional insured at no additional  premium
  • Set-up and take-down coverage
  • Rain date coverage

Limits Available

  • Up to $1,000,000 each common cause/$2,000,000 aggregate
  • Medical payments – $1,000 with $50,000 aggregate
  • Damage to premises rented to you – $100,000

Special Events – Hole-in-One (“The Long Shot”) 

We are excited to offer prize indemnification coverage for hole in one contests. This can be quoted stand-alone or coming soon as a special event package with general liability and/or liquor liability for a golf tournament.

Product Features

  • If a hole in one is made, an additional 20 percent of the prize value will be paid to the charity
  • Unlimited prize restoration
  • Available as monoline or coming soon as a package with special event  coverage (general liability and/or liquor liability)
  • Additional insured’s can be included at no charge
  • Ladies permitted to shoot from the regular ladies’ tee box

Eligibility Criteria

  • Hole yardage must be at least 125 yards for ladies and 150 yards for men
  • Prizes up to and including $50,000 per hole
  • No practice shots, mulligans or substitute shots
  • No professional golfers participating
  • Events meeting witness requirements

Additional Advantages

  • Competitive minimum premiums starting at $200

Special Events – Weddings
We have the ability to provide fast turnaround for weddings. Offering includes general liability and host liquor liability.

Product Features

  • Separate limits for general liability and host liquor liability
  • Rehearsal date can be included for no additional charge
  • $1,000 sublimit included for lost deposits and attire
  • Up to three approved additional insured’s can be included at no additional charge
  • Coverage for damage to rented premises
  • Medical payments coverage
  • Food and beverage product liability included in the general aggregate

Limits of Liability

  • Limits of $1,000,000/$2,000,000 available

Liquor Liability – Social Clubs (Club Select™)
Product Features

  •  Monoline liquor liability product features
  •  Basic Form product features defense costs inside the limits of liability and an exclusion for assault or battery coverage
  • Top Shelf product provides coverage for defense costs outside the limits of  liability, may provide coverage for assault or battery and includes automatic coverage for the liquor license holder as an additional insured
  • No deductible
  • Employees and club members covered as insureds at no additional charge
  • Expanded definition of bodily injury to include mental anguish
  • Aggregate per location offered on multi-location risks
  • Credit available for responsible clubs with formal alcohol awareness training

Optional Coverage 

Limits Available

  •  Limits up to $1,000,000 each common cause/$2,000,000 aggregate in most states*

*Restricted limits in DC, MN, UT & VT

Additional Advantages

  •  A.M. Best rated A++ carrier
  •  Preferred pricing for clubs with:
  •  Annual alcohol sales of $500,000 or less
  •  No citations/violations or liquor-related losses in the past five years
  •  No drink specials or happy hours
  •  No major entertainment except at banquets

Liquor Liability – Fine Dining
This product is specifically designed to accommodate the coverage and
pricing needs for fine dining or white tablecloth establishments.

Product Features

  • Monoline liquor liability product features
  • Basic Form product features defense costs inside the limits of liability and  an exclusion for assault or battery coverage
  • Top Shelf product provides coverage for defense costs outside the limits of  liability, may provide coverage for assault or battery and includes automatic coverage for the liquor license holder as an additional insured
  • Most competitive restaurant rates available on this class
  • No cap on alcohol percentage

Liquor Liability Features

  • Limits available up to $1,000,000 occurrence/$2,000,000 aggregate
  • No deductible
  • Employees automatically covered as an insured on the policy
  • Policy includes expanded definition of bodily injury

Liquor Liability – Host Liability (The Host™)
The Host™ product is designed for special events featuring host liquor liability exposures when purchased with the general liability.

Product Features

  • Separate limits for host liquor liability and general liability exposures
  • Convenience of one policy for general liability and host liquor liability
  • No deductible
  • Expanded definition of bodily injury to include mental anguish
  • Medical payments coverage
  • Coverage for damage to rented premises
  • Personal and advertising injury included

Optional Coverage

  • Property owner may be included as additional insured at no additional
  •  premium
  • Set-up and take-down coverage
  • Rain date coverage

Limits Available

  • Up to $1,000,000 each common cause/$2,000,000 aggregate
  • Medical payments – $1,000
  • Damage to premises rented to you – $100,000

Home-Based Business Classes
(operating out of the insured’s primary residences)

*Not eligible for Professional Liability coverage

  • Abstracting and Indexing Service *
  • Accounting Service *
  • Adjuster – Independent Claims Adjuster
  • Adjuster – Public Claims Adjuster *
  • Administrative Support Service
  • Advertising Agency/Advertising Specialty Items Sales
  • Answering Service
  • Antique Gallery Shop
  • Appraisal Service
  • Antique Gallery/Art Studio
  • Artists Supplies
  • Association Management Service
  • Auctioneers – Away from insured’s premises
  • Audit Service (Non-Financial)
  • Background Checking/Screening Service
  • Bakeries
  • Balloon Art
  • Barber Supplies
  • Barber
  • Beauticians
  • Beauty Supplies
  • Billing Service *
  • Book/Magazine Distributor
  • Bookbinding
  • Bookkeeping Service
  • Calligraphy
  • Camera/Photography Sales or Repair
  • Candle Sales, excluding sales of candles made by individuals
  • Candy/Nut Confections
  • Car Detailer
  • Cell Phone/Pager Sales
  • Ceramics
  • Clock or Watch Repair
  • Clowns, Magicians, Entertainers excluding Bands*
  • Coaching Service
  • Compliance Consultant *
  • Computer Repair
  • Computer Sales
  • Computer Service Bureau
  • Cosmetic Sales (Avon, Mary Kay, etc.)
  • Cost Containment Consultant
  • Court Reporter
  • Crafts – excluding manufacturing/distribution of candles made by individuals
  • Damage Appraiser
  • Dance Instructors
  • Database Management
  • Desktop Publishing
  • Disc Jockeys
  • Draftsmen
  • Dry Food Products/Mixes Vendor
  • Editorial Service/Proofreaders
  • Education Consultant
  • Embroidery
  • Employment Agency *
  • Energy Consultant *
  • Engraving
  • Expediting Service
  • Expert Witness Consultant
  • Financial Planning – exclude discretionary trading authority and/or access to •
  • customer funds *
  • Floral Arrangement
  • Food Broker
  • Food Supplements/Vitamins
  • Fund Raising Services
  • Furniture Refinishers
  • Games Puzzles Vendor
  • Genealogists
  • Gift Delivery Service (balloons, gift baskets, etc…)
  • Gift Shop – excluding manufacturing/distribution of candles made by individuals
  • Glassware
  • Grant Writing Service
  • Graphic Artist/Designer *
  • Handicrafts – excluding manufacturing/distribution of candles made by individuals
  • Hearing Aid Sales *
  • Hobby & Model Supplies, excluding explosives & propellants
  • Household Products  – (Amway, Fuller Brush, etc…)
  • Human Resource Consultant
  • Information Search Retrieval
  • Insurance Agents *
  • Insurance Inspector
  • Insurance Risk Manager
  • Interior Decorating
  • Interior Window Treatments
  • Interpreters
  • Inventory Control Specialist
  • Jewelry  (Costume)
  • Kitchen Supplies (Tupperware, etc…)
  • Ladies/Girls Clothing, Accessories *
  • Leather Goods *
  • Lingerie
  • Loan Origination Service *
  • Locksmith *
  • Management Consultant
  • Manufacturers Representatives *
  • Market Research *
  • Marketing Consultant
  • Mediator
  • Medical Claims Processing/Transcriptionist *
  • Men’s/Boy’s Clothing Accessories
  • Models
  • Monogramming
  • Mortgage Field Inspection
  • Musical Instrument Sales/Repair
  • Newspaper/Magazine/Book Delivery
  • Notary Public
  • Office Supplies Vendor
  • Paper Goods
  • Paralegal
  • Pay Telephone Provider
  • Personal Care Products
  • Personal Fitness Trainer
  • Personal Image Consultant
  • Personalized Books & Gifts
  • Pet Sitters
  • Photographer
  • Picture Framing
  • Prepaid Calling Card Vendor, Excluding Sales from Vending
  • Machines
  • Print Broker
  • Printer
  • Professional Organizer
  • Professional Speakers
  • Public Relations Consultant
  • Publisher *
  • Real Estate Agents *
  • Registered Agent
  • Religious Goods *
  • Resume Service
  • Retail Toy Sales
  • Rubber Stamp Business
  • Scrapbooking
  • Secretarial Service *
  • Shoe Repair
  • Sign Painting
  • Stationary
  • Statistical Consultant
  • Stenciling
  • Tailoring, Alterations, Seamstresses
  • Tax Preparer
  • Taxidermist
  • Teachers/Tutors except sports, physical education, industrial or martial arts
  • Telecommunications Consultant
  • Telemarketing, Telephone Solicitation
  • Toner Cartridge Recharging
  • Training Specialist/Seminar Conductor *
  • Transcribing, Court Reporters
  • Translators
  • Travel Agent
  • Trophy Sales
  • TV/VCR Repair
  • Upholsterer
  • Video & Music Sales/Rental *
  • Videotaping, Dubbing, Editing
  • Vinyl/Leather Repair
  • Wedding & Party Planners
  • Wedding cake and/or Cookie Sales
  • Wood Furniture Crafters
  • Wood Products excluding toys and furniture making
  • Word Processing
  • Writers/Authors

Real Estate Agents Professional Liability
We offer Real Estate Agent Errors and Omissions coverage for real estate
firms which derive at least 65 percent of their commission income from
residential real estate sales. We can also package this with business owners
under one policy with separate limits for each coverage.

Product Features

  • $250,000 discrimination coverage (defense and damages) 
  • Coverage for personal injury 
  • Coverage automatically provided for the sale of any residential owned 
  •  property not developed/constructed by the insured 
  • Named perils coverage for claims arising from use of internet and e-mail 
  • Defense outside the limit 
  • $2,500/$5,000 for defense of insureds at local and state real estate boards 
  • $50,000 lock box coverage

Optional Coverage

  • Extended reporting period of three years for only 110 percent additional premium 
  • Environmental pollutants coverage available for 10 percent additional premium

Limits Available

  • Primary limits available up to $5,000,000

*Note: Not available in California