Employers’ Liability Insurance

We are all in the business of PROTECTING our clients! And that same philosophy should be to MAKE SURE WE PROTECT OURSELVES, BY PROTECTING our insured.

PROTECTING your own E&O exposure, especially regarding Workers’ Comp in West Virginia and the corresponding EL EXPOSURE has to be every agent’s first thought.

• Not all Workers’ Comp policies provide WV Broad Form EL. Make sure you have the coverage on all your Workers’ Comp. policies. OR
• Make sure you NOTIFY your insured in WRITING that the policy does not cover the “DELIBERATE INTENT” EXPOSURE, unique to West Virginia!
• You can now get a quote directly from us for Stand-Alone WV BROAD FORM EL.
• ASSIGNED RISK POLICIES DO NOT COVER BROAD FORM EL in West Virginia.
• Our BROAD FORM EL POLICY is a viable option for all assigned risks or if the insured’s Workers’ Comp. policy EXCLUDES WV BROAD FORM EL.

WHY AN INSURED NEEDS WV BROAD FORM EL?

• Most WV BROAD FORM claims are well in excess of $500,000!
• PROTECT YOUR CLIENT AND YOUR OWN E&O.
• Not all Workers’ Comp policies cover BROAD FORM EL.
• Nearly all prime and general contractors REQUIRE this coverage in their contracts with subs.
• Meet contractual requirements of your insured (they may not even know they have).

PROGRAM FEATURES:

• New competitive commissions.
• Stand-Alone WV BROAD FORM EL.
• Can be written In conjunction with Assigned Risks.
• A+ Carrier.
• Easy to complete applications.
• Quick quotes and binder.
• Occurrence Form.
• Defense Inside Limits
• Up to $1,000,000 Limits.