epli frequently asked questions
TRANSCRIPT
Prot
ectio
n What are Mountain West Agency Services and SCF Advantage?
Mountain West Agency Services is a subsidiary of SCF Premier Insurance Company. It is also a licensed insurance agency that can now offer Employment Practices Liability Insurance (EPLI) as a companion to SCF’s Workers’ Compensation coverage. We have created a high quality, affordable offering that comes with state-of-the-art risk management services and a 24-hour Employers Advantage Website. This product is underwritten by Beazley Insurance Company, Inc.
If I never discriminate against my employees, why would I need insurance?
Often, disputes are frivolous (estimates are as high as 60%) and are eventually proved to be false. However, employers must pay to defend themselves. It is important to note, EPLI coverage is a ‘duty to defend’ coverage so we are here to help you navigate these claims. Employees may not fully understand the law and may assume their definition of unfair treatment is unlawful treatment. Defending these claims can be complicated and costly.
How much does it cost?Employers Advantage Protection is offered at rates as low as $44.50 per employee depending on the coverage and class of business. Rates include the 24-hour Employers Advantage Website and online compliance tools. Contact Mountain West Agency Services for a quote.
What is the minimum premium?There is no minimum premium. The rates start at $44.50 per employee for $100,000 limits with a $10,000 self insured retention. If more coverage is needed, limits can be increased incrementally up to $1,000,000. In addition, retention can be lowered
incrementally to $2,500. Retention is the amount the employer pays before coverage takes effect.
What employees are covered?Full-time salaried employees are considered Full Time Equivalents (FTE) for purposes of calculating premium. A part-time employee would be 50% of the FTE rate, meaning each part time employee counts as ½ a full time employee. Simply add the total number FTE’s and part time employees and round to the nearest number.
What are the limits and retentions offered?
The standard Employers Advantage Protection policy provides limits of $100,000 with a $5,000 self insured retention. Retentions can range from $2,500 to $25,000. Limits can range from $100,000 - $1,000,000 depending on coverage desired.
What’s included in the coverage?The employer’s defense costs, damages, judgments, settlements and the plaintiff’s statutory attorney fees arising out of employment-related discrimination, harassment and inappropriate employment conduct as defined in the policy up to policy limits.
How do I request coverage?Upon renewal of your workers’ compensation coverage provided by SCF Arizona, you will receive an Employers Advantage Protection offer from Mountain West Agency Services. You can also go online and get a quote at any time. Please contact Mountain West Agency Services at 1.800.306.1064 or visit www.mwaservices.com.
SCF Arizona and its subsidiary companies are committed to serving Arizona employers. Employers Advantage Protection is offered exclusively through Mountain West Agency Services, a subsidiary of SCF Premier Insurance Company. This product is underwritten by Beazley Insurance Company, Inc.
SCF Advantage
Employers Advantage Protection
Employment Practices Liability InsuranceEmpl
oyer
P
rote
ctio
n
is jus
t a cl
ick aw
ayw
ww
.mw
aser
vice
s.co
m/
MW 200
EPLI Frequently Asked Questions
Type
of
Lim
its o
f A
mou
nt o
f
Num
ber o
f A
nnua
l O
pera
tion
Liab
ility
Re
tent
ion
Rate
Em
ploy
ees
Prem
ium
Dry G
oods
Ret
ail
$100
,000
$5
,000
$4
7.00
5 $2
35.0
0
Met
al Go
ods M
fg
$100
,000
$5
,000
$4
7.00
5 $2
35.0
0
Resta
uran
t $1
00,0
00
$5,0
00
$47.0
0 5
$235
.00
Offic
e - C
lerica
l $1
00,0
00
$5,0
00
$70.
50
5 $3
52.5
0
Pain
ting
Cont
ract
or
$100
,000
$5
,000
$7
0.50
5
$352
.50
Stan
dard
Pol
icy
Sam
ple
Quot
es
Have you experienced:� Layoffs?� Cutbacks?
� Reduced revenues?� Increased risks?
� Reduction in HR personnel?
In today’s world, employers must comply with complex federal, state and local laws and regulations when making employment decisions. Not only are the numbers of employment-related claims increasing, but so is the potential financial risk to your business. Defending a wrongful termination or discrimination claim – even when the claim is groundless or fraudulent – can be very expensive. The potential exposure for a money damages award can threaten your company’s very existence.
Think about this…� 3 out of 5 employers will be sued for an employment practices event� Average verdict in EPLI cases is now $55k - $75k for employers with
5-10 employees� Average cost to hire an employment law attorney in Arizona is
$350/hour� 550 EPLI suits are filed every day with the EEOC. 32% against
employers with less than 50 employees� 75% of litigation against employers involves employment disputes
Employers Advantage Protection helps you navigate these situations.
Employers Advantage Protection and Employers Advantage Protection Plus are new insurance products specifi cally designed to protect employers from employment practices liability. This protection compliments your SCF workers’ compensation coverage by providing you with significant protection against lawsuits arising from workplace situations, including discrimination, sexual harassment, wrongful termination and other personnel-related exposures.
It also comes with state-of-the-art risk management services and a 24-hour Employers Advantage Website providing guidance and tools for employers facing important employment decisions.
This product is offered exclusively to policyholders of SCF Arizona and its subsidiaries through Mountain West Agency Services and is underwritten by Beazley Insurance Company, Inc.
It is offered as a companion to SCF’s workers’ compensation insurance at a special discounted rate. Employers can obtain the standard Employers Advantage Protection or the enhanced Employers Advantage Protection Plus with limit options of $100,000/$250,000/$500,000/$1,000,000. The enhanced product offers third-party coverage and punitive damages.
The policies cover a wide spectrum of employment-related claims, including: � Failure to hire/promote/fire/demote � Wrongful infliction of emotional distress � False imprisonment/detention, malicious prosecution � Libel, slander, defamation of character, invasion of privacy
Product Advantages� Employers Advantage Protection and Protection Plus both include legal
representation against claims� Dedicated claims handling � Personal contact within 24-48 hours of a claim notification� Straightforward underwriting rules� Competitive pricing� No minimum premium� The average costs are 35% less when we control defense of the claim� Risk Management website for employers � Self Insured Retention may be reduced by 50% for termination/demotion claims
with prior consultation of the Employers Advantage Website or approved employment law attorney. Retention is the amount the employer pays before coverage takes effect.
Support Tools� Online training on preventing sexual harassment to protect your company � Online training for employee terminations and preventing employee discrimination� State specific information on wage and hour laws� Customizable employment policies and procedures available in English and Spanish: Downloadable sample Employee Handbooks HR Policies Procedure Manuals FAQs
Usage of these services is not required but recommended.
Policy Coverage Exclusions� Does not cover awards against an employer found to have inflicted intentional harm.� Prior knowledge. Does not cover disputes that are already known to the employer.� Punitive damages. (Punitive damages coverage is available through Employers
Advantage Protection Plus)� Third-party conduct. (Third-party conduct is available through the Employers
Advantage Protection Plus)
Third-party claims coverage protects you in terms of insured third-parties. Examples of insured third-parties are customers and vendors. Excluded classes not eligible for the enhanced coverage option are:
� Education Industry� Golf/County Clubs� Municipalities� Not for Profit Companies� Publishing Companies
� Religious Entities� Casinos� Social Service Agencies� Transportation Companies
Occupation Class Exclusions on both Employers Advantage Protection and Protection Plus:
� Employee Benefit Funds � Entertainment Industry � Household Staff
� Financial Industry � Staffing Companies � Stockbrokers
Employers Advantage ProtectionEmployment Practices Liability Insurance
Type
of
Lim
its o
f A
mou
nt o
f
Num
ber o
f A
nnua
l O
pera
tion
Liab
ility
Re
tent
ion
Rate
Em
ploy
ees
Prem
ium
Dry G
oods
Ret
ail
$100
,000
$5
,000
$4
7.00
5 $2
35.0
0
Met
al Go
ods M
fg
$100
,000
$5
,000
$4
7.00
5 $2
35.0
0
Resta
uran
t $1
00,0
00
$5,0
00
$47.0
0 5
$235
.00
Offic
e - C
lerica
l $1
00,0
00
$5,0
00
$70.
50
5 $3
52.5
0
Pain
ting
Cont
ract
or
$100
,000
$5
,000
$7
0.50
5
$352
.50
Stan
dard
Pol
icy
Sam
ple
Quot
es
Have you experienced:� Layoffs?� Cutbacks?
� Reduced revenues?� Increased risks?
� Reduction in HR personnel?
In today’s world, employers must comply with complex federal, state and local laws and regulations when making employment decisions. Not only are the numbers of employment-related claims increasing, but so is the potential financial risk to your business. Defending a wrongful termination or discrimination claim – even when the claim is groundless or fraudulent – can be very expensive. The potential exposure for a money damages award can threaten your company’s very existence.
Think about this…� 3 out of 5 employers will be sued for an employment practices event� Average verdict in EPLI cases is now $55k - $75k for employers with
5-10 employees� Average cost to hire an employment law attorney in Arizona is
$350/hour� 550 EPLI suits are filed every day with the EEOC. 32% against
employers with less than 50 employees� 75% of litigation against employers involves employment disputes
Employers Advantage Protection helps you navigate these situations.
Employers Advantage Protection and Employers Advantage Protection Plus are new insurance products specifi cally designed to protect employers from employment practices liability. This protection compliments your SCF workers’ compensation coverage by providing you with significant protection against lawsuits arising from workplace situations, including discrimination, sexual harassment, wrongful termination and other personnel-related exposures.
It also comes with state-of-the-art risk management services and a 24-hour Employers Advantage Website providing guidance and tools for employers facing important employment decisions.
This product is offered exclusively to policyholders of SCF Arizona and its subsidiaries through Mountain West Agency Services and is underwritten by Beazley Insurance Company, Inc.
It is offered as a companion to SCF’s workers’ compensation insurance at a special discounted rate. Employers can obtain the standard Employers Advantage Protection or the enhanced Employers Advantage Protection Plus with limit options of $100,000/$250,000/$500,000/$1,000,000. The enhanced product offers third-party coverage and punitive damages.
The policies cover a wide spectrum of employment-related claims, including: � Failure to hire/promote/fire/demote � Wrongful infliction of emotional distress � False imprisonment/detention, malicious prosecution � Libel, slander, defamation of character, invasion of privacy
Product Advantages� Employers Advantage Protection and Protection Plus both include legal
representation against claims� Dedicated claims handling � Personal contact within 24-48 hours of a claim notification� Straightforward underwriting rules� Competitive pricing� No minimum premium� The average costs are 35% less when we control defense of the claim� Risk Management website for employers � Self Insured Retention may be reduced by 50% for termination/demotion claims
with prior consultation of the Employers Advantage Website or approved employment law attorney. Retention is the amount the employer pays before coverage takes effect.
Support Tools� Online training on preventing sexual harassment to protect your company � Online training for employee terminations and preventing employee discrimination� State specific information on wage and hour laws� Customizable employment policies and procedures available in English and Spanish: Downloadable sample Employee Handbooks HR Policies Procedure Manuals FAQs
Usage of these services is not required but recommended.
Policy Coverage Exclusions� Does not cover awards against an employer found to have inflicted intentional harm.� Prior knowledge. Does not cover disputes that are already known to the employer.� Punitive damages. (Punitive damages coverage is available through Employers
Advantage Protection Plus)� Third-party conduct. (Third-party conduct is available through the Employers
Advantage Protection Plus)
Third-party claims coverage protects you in terms of insured third-parties. Examples of insured third-parties are customers and vendors. Excluded classes not eligible for the enhanced coverage option are:
� Education Industry� Golf/County Clubs� Municipalities� Not for Profit Companies� Publishing Companies
� Religious Entities� Casinos� Social Service Agencies� Transportation Companies
Occupation Class Exclusions on both Employers Advantage Protection and Protection Plus:
� Employee Benefit Funds � Entertainment Industry � Household Staff
� Financial Industry � Staffing Companies � Stockbrokers
Employers Advantage ProtectionEmployment Practices Liability Insurance
Prot
ectio
n What are Mountain West Agency Services and SCF Advantage?
Mountain West Agency Services is a subsidiary of SCF Premier Insurance Company. It is also a licensed insurance agency that can now offer Employment Practices Liability Insurance (EPLI) as a companion to SCF’s Workers’ Compensation coverage. We have created a high quality, affordable offering that comes with state-of-the-art risk management services and a 24-hour Employers Advantage Website. This product is underwritten by Beazley Insurance Company, Inc.
If I never discriminate against my employees, why would I need insurance?
Often, disputes are frivolous (estimates are as high as 60%) and are eventually proved to be false. However, employers must pay to defend themselves. It is important to note, EPLI coverage is a ‘duty to defend’ coverage so we are here to help you navigate these claims. Employees may not fully understand the law and may assume their definition of unfair treatment is unlawful treatment. Defending these claims can be complicated and costly.
How much does it cost?Employers Advantage Protection is offered at rates as low as $44.50 per employee depending on the coverage and class of business. Rates include the 24-hour Employers Advantage Website and online compliance tools. Contact Mountain West Agency Services for a quote.
What is the minimum premium?There is no minimum premium. The rates start at $44.50 per employee for $100,000 limits with a $10,000 self insured retention. If more coverage is needed, limits can be increased incrementally up to $1,000,000. In addition, retention can be lowered
incrementally to $2,500. Retention is the amount the employer pays before coverage takes effect.
What employees are covered?Full-time salaried employees are considered Full Time Equivalents (FTE) for purposes of calculating premium. A part-time employee would be 50% of the FTE rate, meaning each part time employee counts as ½ a full time employee. Simply add the total number FTE’s and part time employees and round to the nearest number.
What are the limits and retentions offered?
The standard Employers Advantage Protection policy provides limits of $100,000 with a $5,000 self insured retention. Retentions can range from $2,500 to $25,000. Limits can range from $100,000 - $1,000,000 depending on coverage desired.
What’s included in the coverage?The employer’s defense costs, damages, judgments, settlements and the plaintiff’s statutory attorney fees arising out of employment-related discrimination, harassment and inappropriate employment conduct as defined in the policy up to policy limits.
How do I request coverage?Upon renewal of your workers’ compensation coverage provided by SCF Arizona, you will receive an Employers Advantage Protection offer from Mountain West Agency Services. You can also go online and get a quote at any time. Please contact Mountain West Agency Services at 1.800.306.1064 or visit www.mwaservices.com.
SCF Arizona and its subsidiary companies are committed to serving Arizona employers. Employers Advantage Protection is offered exclusively through Mountain West Agency Services, a subsidiary of SCF Premier Insurance Company. This product is underwritten by Beazley Insurance Company, Inc.
SCF Advantage
Employers Advantage Protection
Employment Practices Liability InsuranceEmpl
oyer
P
rote
ctio
n
is jus
t a cl
ick aw
ayw
ww
.mw
aser
vice
s.co
m/
MW 200
EPLI Frequently Asked Questions
ProtectionW
hat a
re Mo
un
tain
We
st Ag
en
cy
Se
rvice
s an
d S
CF A
dva
nta
ge?
Mou
ntain
West A
gency Services is a
subsid
iary of SCF P
remier In
suran
ce C
ompan
y. It is also a licensed in
suran
ce agen
cy that can
now
offer E
mp
loymen
t P
ractices Liab
ility Insu
rance (E
PL
I) as a com
panion
to SCF
’s Workers’
Com
pen
sation coverage. W
e have created
a high
quality, aff
ordable offerin
g th
at comes w
ith state-of-th
e-art risk m
anagem
ent services an
d a 24-hou
r E
mp
loyers Ad
vantage W
ebsite. Th
is produ
ct is un
derwritten
by Beazley
Insu
rance C
ompan
y, Inc.
If I nev
er d
iscrimin
ate
ag
ain
st m
y e
mp
loye
es, w
hy w
ou
ld I
ne
ed
insu
ran
ce?O
ften
, dispu
tes are frivolous (estim
ates are as h
igh as 60%
) and are even
tually proved
to be false. How
ever, employers m
ust pay to
defend th
emselves. It is im
portant to n
ote, E
PL
I coverage is a ‘duty to defen
d’ coverage so w
e are here to h
elp you n
avigate th
ese claims. E
mployees m
ay not fu
lly u
nderstan
d the law
and m
ay assum
e their
defin
ition of u
nfair treatm
ent is u
nlaw
ful
treatmen
t. Defen
din
g these claim
s can be
complicated an
d costly.
Ho
w m
uch
do
es it co
st?E
mp
loyers Ad
vantage P
rotectio
n
is offered at rates as low
as $44.50 per em
ployee depend
ing on
the coverage an
d class of bu
siness. R
ates inclu
de the 24-
hou
r Em
plo
yers Ad
vantage W
ebsite an
d on
line com
pliance tools. C
ontact M
oun
tain
West A
gency Services for a qu
ote.
Wh
at is th
e min
imu
m p
rem
ium
?Th
ere is no m
inim
um
premiu
m. Th
e rates start at $44.50 per em
ployee for $100,000 lim
its with
a $10,000 self insu
red retention
. If m
ore coverage is needed, lim
its can be
increased in
cremen
tally up to $1,000,000.
In add
ition, reten
tion can
be lowered
increm
entally to $2,500. R
etention
is the
amou
nt th
e employer pays before coverage
takes effect.
Wh
at e
mp
loye
es a
re cove
red
?Fu
ll-time salaried em
ployees are con
sidered Full Tim
e Equ
ivalents (FTE)
for purp
oses of calculatin
g premiu
m.
A part-tim
e employee w
ould be 50%
of th
e FTE rate, mean
ing each
part tim
e employee cou
nts as ½
a full tim
e em
ployee. Simply add th
e total nu
mber
FTE’s an
d part time em
ployees and rou
nd
to the n
earest nu
mber.
Wh
at a
re the lim
its an
d
rete
ntio
ns o
ffere
d?
The stan
dard Em
ployers A
dvan
tage P
rotectio
n policy provides lim
its of $100,000 w
ith a $5,000 self in
sured
retention
. Reten
tions can
range from
$2,500 to $25,000. Lim
its can ran
ge from
$100,000 - $1,000,000 depend
ing on
coverage desired.
Wh
at’s in
clud
ed
in th
e cove
rag
e?Th
e employer’s defen
se costs, damages,
judgm
ents, settlem
ents an
d the plain
tiff’s
statutory attorn
ey fees arising ou
t of em
ploymen
t-related discrim
ination
, h
arassmen
t and in
appropriate em
ploymen
t condu
ct as defin
ed in th
e policy u
p to policy limits.
Ho
w d
o I re
qu
est co
vera
ge?
Upon
renew
al of your w
orkers’ com
pensation
coverage provided by SCF
Arizon
a, you w
ill receive an E
mp
loyers A
dvan
tage Pro
tection
offer from
M
oun
tain W
est Agen
cy Services. You can
also go on
line an
d get a quote at an
y time.
Please contact M
oun
tain W
est Agen
cy Services at 1.800.306.1064 or visit w
ww
.mw
aservices.com.
SCF Arizona and its subsidiary companies are com
mitted to serving Arizona
employers. Em
ployers Advantage Protection is offered exclusively through M
ountain West Agency Services, a subsidiary of SCF Prem
ier Insurance Com
pany. This product is underwritten by Beazley Insurance Com
pany, Inc.
SCF Advantage
Employers
Advantage Protection
Employm
ent Practices Liability Insurance
Employer Protection is just a click away
www.mwaservices.com/
MW
200
EPLI Fre
qu
en
tly Aske
d Q
uestio
ns
Type of Limits of Amount of Number of Annual Operation Liability Retention Rate Employees Premium
Dry Goods Retail $100,000 $5,000 $47.00 5 $235.00
Metal Goods Mfg $100,000 $5,000 $47.00 5 $235.00
Restaurant $100,000 $5,000 $47.00 5 $235.00
Office - Clerical $100,000 $5,000 $70.50 5 $352.50
Painting Contractor $100,000 $5,000 $70.50 5 $352.50
Standard Policy Sample Quotes
Have yo
u ex
perie
nce
d:
� Layoffs?
� Cutbacks?
� Reduced revenues?
� Increased risks?� R
eduction in
HR
personnel?
In tod
ay’s w
orld, em
ployers mu
st comply w
ith com
plex federal, state an
d local laws an
d regulation
s wh
en m
akin
g employ
men
t decisions.
Not on
ly are the n
um
bers of em
ploym
ent-related claim
s increasin
g, bu
t so is the p
otential fi
nan
cial risk to your bu
siness. D
efend
ing a
wron
gful term
ination
or discrim
ination
claim – even
wh
en th
e claim
is groun
dless or frau
dulen
t – can b
e very exp
ensive. Th
e poten
tial ex
posu
re for a mon
ey dam
ages award can
threaten
your com
pan
y’s
very existen
ce.
Thin
k ab
ou
t this…
� 3 out of 5 em
ployers will be su
ed for an em
ploymen
t practices event
� Average verd
ict in E
PL
I cases is now
$55k - $75k for employers w
ith
5-10 employees
� Average cost to h
ire an em
ploy
men
t law attorn
ey in A
rizona is
$350/hou
r� 550 E
PL
I suits are fi
led every day with
the E
EOC
. 32% again
st em
ployers with
less than
50 employees
� 75% of litigation
against em
ployers involves em
ploymen
t dispu
tes
Emp
loyers A
dvan
tage Pro
tection
help
s you
navig
ate these situ
ation
s.
Em
ployers A
dvan
tage Pro
tection
and E
mp
loyers Ad
vantage
Pro
tection
Plu
s are new
insu
rance produ
cts specifi cally designed to
protect employers from
employm
ent practices liability. Th
is protection
complim
ents you
r SCF w
orkers’ compen
sation coverage by provid
ing
you w
ith sign
ificant protection
against law
suits arisin
g from w
orkplace situ
ations, in
clud
ing d
iscrimin
ation, sexu
al harassm
ent, w
rongfu
l term
ination
and oth
er personn
el-related exposures.
It also comes w
ith state-of-th
e-art risk man
agemen
t services and a
24-hou
r Em
ployers A
dvan
tage Web
site providin
g guidan
ce and tools
for employers facin
g importan
t employm
ent decision
s.
This produ
ct is offered exclu
sively to policyholders of SC
F Arizon
a and its
subsid
iaries throu
gh M
oun
tain W
est Agen
cy Services and is u
nderw
ritten
by Beazley In
suran
ce Com
pany, In
c.
It is offered as a com
panion to SC
F’s workers’ com
pensation in
surance at
a special discounted rate. Em
ployers can obtain the standard Em
ployers
Ad
vantage P
rotection or the en
hanced E
mp
loyers Ad
vantage P
rotection
Plu
s with lim
it options of $100,000/$250,000/$500,000/$1,000,000. The
enh
anced product offers th
ird-party coverage and pun
itive damages.
The policies cover a wide spectru
m of em
ployment-related claim
s, including:
� Failure to h
ire/promote/fi
re/demote
� Wron
gful in
fliction
of emotion
al distress
� False imprison
men
t/detention
, maliciou
s prosecution
� Libel, slan
der, defamation
of character, in
vasion of privacy
Prod
uct A
dva
ntag
es
� Em
ployers A
dvan
tage Pro
tection
and P
rotectio
n P
lus both
inclu
de legal represen
tation again
st claims
� Ded
icated claims h
and
ling
� Personal con
tact with
in 24-48 h
ours of a claim
notification
� Straightforw
ard un
derwritin
g rules
� Com
petitive pricing
� No m
inim
um
premiu
m� Th
e average costs are 35% less w
hen
we con
trol defense of th
e claim� R
isk Man
agemen
t website for em
ployers � Self In
sured R
etention
may be redu
ced by 50% for term
ination
/demotion
claims
with
prior consu
ltation of th
e Em
ployers A
dvan
tage Web
site or approved em
ploymen
t law attorn
ey. Reten
tion is th
e amou
nt th
e employer pays before
coverage takes effect.
Sup
po
rt Too
ls� O
nlin
e trainin
g on preven
ting sexu
al harassm
ent to protect you
r compan
y � O
nlin
e trainin
g for employee term
ination
s and preven
ting em
ployee discrim
ination
� State specific inform
ation on
wage an
d hou
r laws
� Cu
stomizable em
ployment policies and procedu
res available in English and Span
ish:
Dow
nloadable sam
ple Em
ployee Han
dbooks
HR
Policies
Procedu
re Man
uals
FAQ
s U
sage of these services is n
ot required bu
t recomm
ended.
Policy C
ove
rage E
xclusio
ns
� Does n
ot cover awards again
st an em
ployer foun
d to have in
flicted in
tention
al harm
.� P
rior know
ledge. Does n
ot cover dispu
tes that are already kn
own
to the em
ployer.� P
un
itive damages. (P
un
itive damages coverage is available th
rough
Em
ployers
Ad
vantage P
rotectio
n P
lus)
� Third-party con
duct. (Th
ird-party condu
ct is available throu
gh th
e Em
ployers
Ad
vantage P
rotectio
n P
lus)
Third-party claim
s coverage protects you in
terms of in
sured th
ird-parties. Exam
ples of in
sured th
ird-parties are custom
ers and ven
dors. Exclu
ded classes not eligible for th
e en
han
ced coverage option are:
� Education
Indu
stry� G
olf/Cou
nty C
lubs
� Mu
nicipalities
� Not for P
rofit C
ompan
ies� P
ublish
ing C
ompan
ies
� Religiou
s En
tities� C
asinos
� Social Service Agen
cies� Tran
sportation C
ompan
ies
Occupation C
lass Exclusion
s on both Em
ployers A
dvan
tage Protection
and Protection
Plu
s:
� Em
ployee Ben
efit Fu
nds
� En
tertainm
ent In
dustry
� Hou
sehold Staff
� Finan
cial Indu
stry � Staffi
ng C
ompan
ies � Stockbrokers
Employers Advantage Protection
Employm
ent Practices Liability Insurance