Program Highlights

Our specialty insurance program is available in Tennessee, Arizona, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Carolina, Ohio, Virginia, and Wisconsin.

Our program offers the following coverages:

• General Liability
• Professional Liability
• Products/Completed Operations
• Premises Liability
• Employment Practices Liability
• Property
• Crime
• Inland Marine
• Auto
• Bonds

These critical coverages are included at policy limits:

• Professional Liability includes Bodily Injury and Property Damage arising from the insured’s professional services in teaching gun safety or other courses.
• Sports Participant Legal Liability covers hunting, shooting, archery, and conservation organizations if an injured participant sues the insured despite having signed a waiver.

Liability Coverage may include:

• Limits up to $1 million per occurrence
• Professional Liability
• Employees as Additional Insureds
• Employment Practices Liability (claims-made coverage)
• Fire Legal Liability – $100,000 (higher limits available)
• Medical Expenses – $5,000
• Personal and Advertising Injury
• Newly-Acquired Organization – 90 days
• Employee Benefits Liability (claims-made coverage)

Other Insurance Options and Coverage may include:

• Electronic media and business interruption coverage
• Crime – Employee Dishonesty
• Mobile Equipment
• Equipment and Tool Floaters
• Auto (not available in Michigan)

Bonds:

• License and Permit Bonds
• Business Service Bonds
• ERISA Bonds

Property Coverage may include:

• Building Coverage
• Contents Coverage
• Business Income (extra expense and 0 hour waiting)
• Equipment Breakdown on building and contents
• Mine Subsidence (available for specific counties in IL and IN)
• Earthquake
• Utility service – direct damage
• Utility service – time element

Note: Coverages may not be available in all states.