INTEGRATED SOLUTIONS FOR INSURANCE AGENTS E&O

Insurance agents & brokers face new and evolving exposures as they service their clients in today’s fast-paced digital economy. Many insurer balance sheets are under intense financial pressure which may lead to future downgrades by industry rating agencies.  Brokers collect information electronically, accept online payments and transmit extensive amounts of sensitive client information via potentially vulnerable networks that may be intercepted by hackers. [in]FUSE® by EmergIn Risk was designed to address the convergence of traditional insurance agents and brokers professional liability exposures along with emerging risks such as cyber, privacy, media, etc. – all under one policy form.

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INSURER

Backed by the security of an “A” rated carrier

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JURISDICTION

Available in all states

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LIMITS

Up to $10 million (Primary or Excess)

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RETENTIONS

First Dollar Defense available for eligible risks

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ELIGIBILITY

Firms with annual GWP of $10 million or more

Coverage Features

  • Broad Definition of Professional Services including Employed Lawyers
  • No INSOLVENCY EXCLUSION, i.e., policy provides blanket insolvency coverage
  • Unlimited Defense Expenses in addition to the Limits of Liability
  • Advertising & Communication (Media) Liability coverage (full policy limit)
  • Network & Security Privacy Liability coverage (full policy limit)
  • Not for Profit D&O coverage for individuals serving on industry boards
  • Punitive Damages coverage (where insurable under the applicable most favorable law/venue)
  • Supplementary payments for Disciplinary & Government Proceedings, Subpoena and Time-Off Work Expenses (in addition to the policy limit)
  • Side “A” Excess D&O Liability ($500K all Claims) resulting from a Network and Security and Privacy Wrongful Act
  • First-Party Data Compromise Expenses ($1M limit), coverage includes:
    • Breach Consultation, Breach Notification, Public Relations, Electronic Data Restoration, Data Extortion and Payment Card Industry DSS Expenses