Insurance Adjusters Errors and Omissions Coverage Highlights

• Claims made and reported, duty to defend policy
• Admitted program
• Prior acts coverage options available
• Customized definition of insured’s services
• Definition of suit includes arbitration and alternative dispute resolution
• Up to $500 per day, $10,000 per policy, for insured’s expenses while helping defend a claim
• Prejudgment and post-judgment interest payments in addition to limits of coverage
• Automatic 60-day limited claim reporting period
• 12-, 24-, or 36- month extended reporting period options
• Criminal, dishonest acts exclusion does not apply to innocent parties
• Punitive damages covered where allowed by law
• Primary “other insurance” clause
• No policy exclusion for personal injury or advertising injury
• Pre-claim assistance to insured firms to help them mitigate a circumstance before it results in a claim

Covered Persons

In addition to the named insured, the following individuals are automatically included as protected persons:

• Your spouse, if you are insured as an individual
• Your employees
• Your leased workers
• Partners, directors, executives, officers or employees who have left the firm
• Legal representatives of certain protected persons

Limits and Deductibles

• Standard limits up to $3 million
• Wide range of deductibles
• Coverage is not available in Louisiana, Alaska and Hawaii