Directors & Officers Liability
A. Insurer will pay on behalf of the directors or officers all losses which the directors or officers either individually or collectively shall be legally obligated to pay, for a wrongful act.

B. Insurer will reimburse Insured for all loss which Insured is required to indemnify, or for which insured has to the extent permitted by law indemnified the directors or officers either individually or collectively for a wrongful act.

Personal Directors Liability
Policy provides coverage to independent directors for certain losses not indemnified by their companies or paid by other Directors and Officers Liability Insurance. Policy is designed to be excess of the D&O policies provided by the boards on which the director serves and can be tailored to cover one, all, or any combination of boards on which a director serves.

Employment Practices Liability
Protects employer and employees against claims for wrongful discharge, sexual harassment or discrimination.

Crime (Employee dishonesty)
Affords coverage for loss of money, securities & other property resulting from dishonest acts committed by an employee acting alone or with others occurring during the policy period. Policy can also meet bonding requirements of ERISA.

Fiduciary Liability
Covers claims made against an insured for any loss sustained because of a breach of fiduciary duty as defined by ERISA.

Kidnap & Ransom
Business kidnapping and extortion risks are not limited to just global companies. Any company of any size can be a target for kidnappers or extortionists, whether domestically or abroad. Managing the costs associated with such risks can push a small to midsize company to its financial limits. K&R packages include insurance, risk management information, and immediate access to security consultants.