Other Commercial Coverages

Kidnap & Ransom

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In today's environment of domestic and international unrest, the exposure of a potential "terrorist" act against you, your employee or family member is greater than it has ever been before. Kidnap and subsequent ransom requires immediate response. Each insurance carrier we represent that offers this coverage has a panel of experts for negotiation, recovery and response through-out the world.

Generally, a Kidnap & Ransom policy provides coverage against loss by the surrender of property as a result of a threat of harm to the insured, an employee or a relative or guest of the insured or insured's employees.

Crime / Fidelity

In the report to the nation on fraud, the average business in the United States can lose up to 6% of its total revenues due to crime and fidelity. You can readily protect your business against this exposure with insurance

contracts addressing most scenarios. These policies can be formatted to insure occurrences from the basic theft by an employee to complicated internet schemes by outsiders acting in collusion with others. We will address this exposure in our risk survey to be sure that we offer you the broadest options to protect your business.

Generally, a policy will provide coverage for theft of money, securities or property by an employee, and can be extended to insure against:

Loss due to forgery or alteration
Theft
Disappearance and destruction of money and securities
Money orders
Counterfeit paper currency
Computer Theft

Employment Practices Liability

In today's environment, Employment Practices Liability Insurance cannot be ignored by
any insured. Courts are holding employers to a much higher standard than ever before.

Jamison will assist with in the implementation of safety procedures including employee handbooks and coordinating seminars to reduce your exposure to this type of loss. If your business calls upon you to entrust the care of your employees to others, Employment Practices Liability Insurance will still provide you with protection against a violation that could arise.

Generally speaking, Employment Practices Liability Insurance provides coverage for wrongful acts arising from the employment process. The most frequent types of claims alleged under such policies include :

Wrongful termination
Discrimination
Sexual harassment

The forms are written on a claims-made basis and are frequently available as an endorsement to the directors & officers liability policies.

For more information concerning Employment Practices Liability Insurance click here.

Fiduciary Liability

Protects the trustees and plan administrators with respects to errors and omissions in the administration of employee benefit programs as imposed by the Employee Retirement Income Security Act (ERISA).

Miscellaneous Professional Liability

Tailor-made Errors & Omissions coverage for a variety of professional and quasi-professional service exposures including:

Stockbrokers
Publishers
Electronic and internet service providers and users
Financial consultants
Detective agencies
Auctioneers
Others

For more information concerning Miscellaneous Professional Liability Insurance click here.

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