Employment Practices » Optional Coverage Enhancements

Some of the carriers we access offer optional coverage enhancements such as the following:

• Co-defendants liability


• Third party liability


• Additional insureds, including coverage for independent contractors, volunteers, and spouses


• Partnership coverage including failure to make partner language


• Costs of defense in addition to the limit of liability


• Waiver of deductible (if a ruling of no liability is obtained)


• Modification of "hammer clause" (50%/50%/ or 70%/30% co-insurance)