• Specialized Coverage:

Our select program with Fortegra is tailored to the liability needs of small and mid-sized churches. The core package includes property and liability enhancement endorsements with limits up to $10 Million TIV per building and $10 million per policy, plus equipment breakdown coverage and pastoral counseling.

• NOTE: TIV $10M-$15M is possible but will require an “exception” from underwriting.

• Clients have the option to add coverage for:

 Sexual misconduct

 Religious expression

 Hired/non-owned auto liability

 Crime

 Inland Marine

 Auto

 Umbrella

• Target accounts include:

 Small and mid-sized churches with favorable loss history and standard church operations.

 Buildings under 100 years of age with newer roofs and all updates in the last 20 years.

 Loss Ratios less than 45%

 Continuous coverage (no lapse)

 Protection classes 1-7

• Ineligible operations:

 First tier coastal

 K-12 school operations

 Camps

 Animals

 Rental dwellings

 Armed Security

 Homeless shelters/transitional housing

 Protection classes 8-10 (or equivalents)

 States of CA, NYC burroughs

• Coverages:

 General Liability

 Property

 Workers Compensation

 Volunteer

 Professional Liability

 Commercial Auto

 Directors & Officers

 Sexual Abuse and Molestation

 Employment Practices Liability

 Umbrella Liability

 Other Optional Coverages

• UNDERWRITERS REQUIRE " FULL" SUBMISSION (or they will reject):

• Completed Acord forms (all lines)

• 5 yrs of CVLR’s

• Recent EMOD (if available)

• Complete the attached supplemental applications

• Target premium & or expiring premium

• Quote need by date

• Other carriers quoting the account

• Narrative (Do you control the account? Why is the insured shopping? Does the insured have any pain points with the current carrier & if so, what?)

• NOTE: We don’t accept any "mid-term" submissions unless there was a loss in coverage, then it depends on how long they have been without coverage.