Mack Specialty Brokerage


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Architects & Engineers E&O MACK SPECIALTY BROKERAGE has access to many A rated carriers that specialize in providing comprehensive insurance coverage for DESIGN and CONSULTING professionals. We provide a strong array of quality insuring security on behalf of our carriers to best suit your policyholder’s needs. Our carriers have goals to stabilize insurance costs, reduce loss exposure through risk management, loss prevention advice and assistance, and protection of professionals through expert claim handling. Here is a list of the classes that we will entertain, however this is not all inclusive. Should you have any risk that doesn’t fit into any of these classes, please contact us to discuss: ARCHITECTS & ENGINEERS PROJECT SPECIFIC COVERAGE ENVIRONMENTAL CONSULTANTS/ENGINERS CONSTRUCTION MANAGERS/CONSULTANTS DESIGN/BUILD FIRMS GEOTECHNICAL EMGINEERS TESTING LABORATORIES CONTRACTORS PROFESSIONAL LIABILITY Many of our markets can provide: CONTRACT REVIEW & ANALYSIS LOSS PREVENTION SEMINARS EXPERT CLAIMS MANAGEMENT EARLY CLAIM INTERVENTION & COUNSELING RISK MANAGEMENT CONSULTATION WEBSITE & INFORMATION RESOURCE LIBRARY “PARTNERING” FACILITATION Allied Medical Healthcare is one of the most highly specialized classes of business in the insurance industry. Our program is unique in offering a market for all subclasses of health care risks Excluding physicians, dentists and hospitals [however these can be placed outside of this program]. LINES OF BUSINESS & COVERAGES: In addition to Professional Liability, which is required for all risks, this program can offer other related lines shown below. We offer coverage on a Claims Made form. Medical Malpractice Errors & Omissions General Liability Non-Owned Auto Umbrella/Excess Limits Available: Primary Limits to $1,000,000./$3,000,000. Umbrella/Excess to $5,000,000./$5,000,000. Here are our list of Services that we can cover: ADULT/SPECIAL DAY CARE ALCOHOL/DRUG REHABILITATION AMBULANCE & PARATRANSPORT SERVICES ARTIFICIAL LIMBS, PROSTHETICS, ORTHOTICS BILLING, MEDICAL CODING, TRANSCRIPTION CASE MANAGEMENT & MEDICAL CONSULTANTS CEMETERIES, CREMATORIES, FUNERAL HOMES CLINICS-MEDICAL, MENTAL HEALTH DIAGNOSTIC IMAGING – MRI, XRAY, CT DIALYSIS CENTERS DRUG/SUBSTANCE ABUSE TESTING DURABLE MEDICAL EQUIPMENT SALES & RENTAL FOSTER HOME PLACEMENT & ADOPTION AGENCIES HANDICAPPED-HOMES, SCHOOLS, JOB TRAINING HOMES FOR RETARDED & SHELTERED WORKSHOPS HOME HEALTH SERVICES & PRODUCTS MEDICAL ARTS SCHOOLS / COLLEGES MEDICAL LABS MEDICAL PERSONNEL AGENCIES OPTOMETRISTS, OPTICAL GOODS, OCULARISTS PERSONAL CARE/RETIREMENT HOMES PHARMACIES-RETAIL, HOME IV SUPPLY PHYSICAL/OCCUPATIONAL THERAPY RESPIRATORY/OXYGEN THERAPY SPEECH, LANGUAGE, HEARING THERAPY Here is list of PROFESSIONS we can cover: ACUPUNTURISTS AIDES, ORDERLIES AUDIOLOGISTS/SPEECH THERAPISTS DENTAL HYGIENISTS ELECTROLGISTS EMTS, PARAMEDICS HEARING AID FITTERS FITNESS, EXERCISE TRAINER INHALATION/RESPIRATORY THERAPISTS MEDICAL LAB TECHNICIANS MEDICAL OFFICE ASSISTANTS MORTICIANS NURSES RN, LVN, NURSE PRACTITIONERS NUTRITIONALISTS/DIETICIANS OCCUPATIONAL/PHYSICAL THERAPISTS OPTICIANS, OPTEMETRISTS, OCULARISTS PERMANENT MAKEUP/TATTOO ARTIST PHARMACISTS PHLEBOTOMISTS PHYSICIANS ASSISTANT PSYCHOLOGISTS/COUNSELORS RADIATION THERAPY TECHNICIANS XRAY/IMAGING TECHNICIANS Please use our General Professional Liability application for the above classes unless otherwise specified. Condo Package Program Coverage Features: Liability: Comprehensive General Liability – Limits to $3,000,000 Aggregate Condominium unit owners as additional insureds Liability for common areas including swimming pools, tennis courts, lakes, playground equipment, etc. Employee Benefits Liability Umbrella - Limits up to $10,000,000 Property: Blanket limits with large in house capacity All Risk on Building, Contents, Loss of Income, and Extra Expense Coverage for Loss of Condo fees due to a direct physical loss - $100,000 Guaranteed Replacement Cost available with an appraisal Ordinance or Law Coverage Definition of Building to include pools, walkways, and fences EDP included Reward Reimbursement – we will pay for information leading to criminal convictions in connection with losses to covered property, up to $5,000 Employee Dishonesty limit of $50,000 included Sewer and water back-up for $25,000 included in our form Documents Required for Proposal: Completed and signed Philadelphia Insurance Companies application Completed ACORD applications Company Loss Runs for the previous three years Service: Clients are serviced by our Home Office staff as well as our many regional offices located strategically throughout the country. Carrier: These coverages are underwritten by Philadelphia Insurance Companies, rated A+ (Superior) by A. M. Best. Forbes Magazine has recognized the Companies as one of the 200 best small companies in America. This summary is provided for the convenience of our customers and is not intended to supersede or amend any of the terms, conditions, or provisions contained in the actual insurance policies. Employment Practices Businesses are flocking to the shelter of Employment Practices Liability Insurance (EPLI) in response to the recent explosion of employment law liability claims. Employers are finding that they are vulnerable from the pre-hiring process through the exit interview, even if the employee was at the company a matter of days. Our state of the art EPLI policy provides punitive damage coverage, one of the few carriers to offer this option on every policy issued. This policy also covers most claims from the following scenarios not usually covered under the CGL form, such as sexual harassment; wrongful termination; violation of the civil rights laws or Americans with Disabilities Act; violation of the Equal Pay Act or Age Discrimination in Employment Act, and other charges filed with the EEOC or equivalent state agency. Recently Written: The fastest growing area of litigation and claims in this country is in Employment Practice Liability. Major lawsuits like those brought against public officials and public companies such as Mitsubishi and Ford Motor Company, have been widely reported in the news and have made employers recognize the need to protect themselves against employee-based lawsuits such as wrongful termination and sexual harassment. Our program covers virtually every industry segment. It is especially designed for the needs of employers with less than 500 employees. Here are some examples of risks we have written: A home health care agency new in business A golf club with seven full-time and 13 part-time employees A magazine publishing company in business 18 years A small public relations company A wholesale distributor of lighting and janitorial supplies A property management firm A furniture store with 16 full-time and 17 part-time employees A chain of 10 fast food restaurants with over 200 employees Environmental / Pollution Mack Specialty Brokerage has access to many A rated carriers that specialize in the environmental insurance field. Our 6 main programs are listed below. Please click on each class for more detailed information and to download required applications: ENVIRONMENTAL CONTRACTORS PROGRAM MOLD REMEDIATION CONTRACTORS/CONSULTANTS CONTRACTORS POLLUTION LIABILITY FOR CONSTRUCTION CONTRACTORS SITE SPECIFIC POLLUTION LIABILITY ENVIRONMENTAL CONSULTANTS & LABORATORIES MONOLINE CONTRACTORS POLLUTION LIABILITY This list is not all inclusive so if you have an environmental risk that doesn’t fit into any of the above programs, please contact us to discuss your risk. ENVIRONMENTAL CONTRACTORS PROGRAM: Can combine Environmental & Non-Environmental Contracting Exposures on one policy. Policy Highlights: Combined Occurrence Form General Liability and Contractors Pollution Liability or Monoline Contractors Pollution Liability [if insured has separate CGL coverage] Nose Coverage and Prior Acts Available Defense costs can be in addition to or included in policy limits First Dollar Defense Option Examples of Eligible Classes: Asbestos Abatement, Drillers [not Oil & Gas], Emergency Response, Environmental Remediation, Hazardous Materials, Lead Abatement, Liquid Waste Remediation, Medical & Infectious Waste, Mold Remediation, PCB Remediation, Soil Remediation, UST/AST Contractors, Waste Brokers, Wetlands Contractors, And Many More! Standard Limits: Base limits up to $1,000,000. per occurrence with a $1,000,000. policy aggregate are available [lower limits available] Limits up to $5,000,000. are available on both an annual or per job basis. Minimum Deductible: start at $2500. Minimum Premium; starting at $2000. Security: Various A rated carriers Application Requirements: Contractors and Consultants Application, qualifications, brochures and current financial statement. General Liability Mack Specialty Brokerage has the primary casualty markets to meet all of your general liability needs. Our underwriting knowledge and market access enable us to place a full range of accounts. A partial list of primary casualty coverages include: Contracting: Artisan, Elevator Maintenance, General, Roofing, Paper Equipment Dealers Herbicide/Pesticide Manufacturing/Distribution/Application Leisure Products Manufacturing/Distribution Lessor’s Risk Medical Products Manufacturing/Distribution New Venture Products Owners/Contractors Pharmaceutical Manufacturing/Distribution Products Liability Railroad Protective Retail Operations Special Events Alarm Manufacturers & Installation Equipment Rental including Cranes Exterminators Family Entertainment Centers Restaurant/Taverns Liquor Liability Security Guards Sprinkler Contractors Tree Trimmers This list is not all inclusive so please feel free to contact us about any type of risk you may have. We accept ACORD applications or any other carrier applications. We have applications available for some of the classes shown above. Please click on the hilited item to download the specific application. Media Liability Media Liability Plus® offers specialized coverage for a wide variety of media risks against the devastating impact of lawsuits for libel, slander, invasion of privacy, infringement of copyright and other specified torts. This program is backed by A.M. Best-rated A+XV insurers, including National Casualty Company, and other members of the Nationwide® Insurance Enterprise. Media/Professional Insurance A division of Media/Professional Insurance Agency, Inc. Two Pershing Square, Suite 800 2300 Main Street Kansas City, Missouri 64108-2404 Telephone (816) 471-6118 Facsimile - (816) 471-6119 "We Insure Free Speech Worldwide"® Policy Enhancements are available on an individual risk basis MK 002C 9706 l Occurrence form l Punitive damages affirmatively covered where permitted l Limits up to $10,000,000 each loss/ $10,000,000 aggregate l Admitted and surplus lines policies available l Excess limits available to $5,000,000 for a total of $15,000,000 Classes Written l Advertisers l Advertising Agencies l Authors l Book Publishers l Cable Operators l Magazine Publishers l Multimedia Companies l Newspaper Publishers l Personal Appearances by Celebrities l Radio Broadcasters l Radio, TV & Film Producers l Television Broadcasters Defense fForms & Limits l Two options: a. Unlimited defense cost covered in addition to the policy limits (available to most insureds in most classes) Carrier retains choice of counsel or b. Defense costs covered within policy limits Insured chooses counsel subject to carrier approval Coverage Territory l Worldwide coverage l Non-U.S. media operations can be covered Policy Enhancements Available l Coverage for errors & omissions arising out of the content of published or broadcast matter l Electronically transmitted information l Trademark coverage l No aggregate policy limits l Policy tailoring for unusual risks Misc E&O MACK SPECIALTY BROKERAGE has access to many carriers that provide Specialty Professional Liability Coverage for a multitude of classes. Each policy is individually underwritten but the majority of our carriers include claims-made form, worldwide coverage, no punitive damages exclusion [where allowed by law], various deductible options and flexible coverage for personal injury exposures. The following is a list of business classes currently written. This list is not all-inclusive, as many existing policies are written for unique, one-of-a-kind E&O exposures. ACCOUNTANTS* ACCREDITATION ORGANIZATIONS ADJUSTERS ADMINISTRATORS APPRAISERS-NON REAL ESTATE BOOKKEEPERS CLAIMS ADJUSTERS* CLINICAL LABS/TESTING LABS COMPUTER TECHNOLOGY* COLLECTION AGENCIES* CREDIT BUREAUS CUSTOMS BROKERS CYBERLIABILITY* DATABASE MANAGERS DIETICIANS/NUTRITIONISTS DIRECT MAIL SERVICES DOCUMENT INFORMATION SERVICES EMPLOYMENT AGENCIES* EXECUTIVE SEARCH FIRMS FARM MANAGERS FORECLOSURE AGENTS FORENSIC ANALYSIS FREIGHT FORWARDERS FUNERAL DIRECTORS/MORTICIANS GRAPHIC DESIGNERS* HOME INSPECTORS* INSURANCE AGENTS* INVESTMENT ADVISORS* JUDICIAL RESEARCH SERVICES KOSHER FOOD INSPECTORS LAWYERS* LICENSING SERVICES LITERARY AGENTS MANAGEMENT CONSULTANTS* MAPPING SERVICES MARKETING CONSULTANT FIRMS MEETING PLANNERS METEROLOGISTS MORTGAGE BANKERS* MORTGAGE BROKERS* NOTARY PUBLIC SERVICES ONLINE/INTERNET RELATED* OUTPLACEMENT COUNSELORS PREMIUM FINANCE SERVICES PRINTERS/BINDERIES PROPERTY MANAGERS* PROFESSIONAL EMPLOYERS ORGANIZATIONS* PUBLIC RECORD SEARCH PUBLIC REALTIONS FIRMS QUALITY ASSURANCE CONSULTING REAL ESTATE AGENTS* REAL ESTATE APPRAISERS* RESEARCH ORGANIZATIONS TAX PREPARERS TEMPORARY PERSONNEL AGENCIES THIRD PARTY ADMINISTRAATORS TITLE AGENTS/ESCROW AGENTS* TRAVEL AGENTS/TOUR OPERATORS UTILITY NOTIFACTION SERVICES WATER TESTING & ANALYSIS SERVICES XEROGRAPHERS YELLOW PAGE PUBLISHERS ZOOLOGICAL EXHIBIT DESIGNERS Our average minimum premium is $2500. for $1,000,000. Our average minimum deductible is $2500. for each wrongful act. Some Optional Coverages that some of our carriers may be able to provide are: Contingent BI/PD Infringement of copyright Infringement of trademark Multiyear policy up to 3 years Claim expense outside the limit Split limits for each wrongful act/total limit of insurance Prior acts coverage Claims brought outside the US Most of the above classes can be submitted with an existing application or you can download our STANDARD application. For all the highlighted classes, please click on them to access the required application and/or supplement that is needed for quotation purposes. If you have any questions regarding what application to use, please feel free to contact us and we will be more than happy to assist you. Safe Email Insurance, designed to protect any business who has a company Web site and/or Email system. Target audience: Any business that has a marketing Web site used to promote their company and/or an Email system that is used to communicate externally with customers and business partners. Insurance summary: A third party liability policy that provides coverage for any damages and expenses that the Insured is legally obligated to pay as a result of an Email or Instant Message sent by an employee externally or written content that is published on their Web site. Coverage: Safeonline™ SafeEmail protects against third party claims as a result of: Defamation – dissemination of informational content (via Email, a Web site or an Extranet) that defames a person or organization, or disparages a person’s or organization’s products or services Privacy infringement – dissemination of informational content (via Email, a Web site or an Extranet) that includes content violating another’s right of privacy or that publicly discloses private facts Virus transmission – inadvertently transmitting a computer virus to a third party via Email Unlawful use of any materials or information which you hold in electronic form Coverage is provided for all Emails and Instant Messages sent by an employee from their company Email address, regardless of whether the message is sent for non-business reasons. This policy is underwritten by ACE Global Markets. Available limits: From $100,000 to $1,000,000. Higher limits are available on request. Minimum premium: $498 – for a company with up to 5 Email users and a limit of $100,000. Up to over $8,000 for a company with 250 users and a limit of $1 million. Deductible: $250 for each and every claim (in respect of virus transmission only, for all other claims there is no deductible). Information requirements: See Application Form. Information required includes: number of Email users availability of an Email Usage policy use of anti-virus software use of system backups Web www.safeonline.com Email info@safeonline.com Fax +1 517 349 5874 Tel +1 866 644 9477 Important – the Safeonline Product Summary information given above is intended only to highlight features that might be of interest to you, and should in no way be considered to accurately summarize the available insurance coverage. © Copyright Safeonline. All rights reserved. Version 2 05/02 Safe Enterprise Summary of insurance: SafeEnterprise provides a broad definition of coverage against technology errors and omissions (E&O) claims, including advertising and personal injury, breach of security and Internet media liability. Available limits: From $500,000 to $10 million. Higher coverage limits are available on request. Minimum premium / deductible: From $2,500. Coverage highlights: Errors and Omissions (E&O) coverage – a broad definition of computer systems and information technology-related professional services are covered under the policy. Broad coverage for Intellectual Property risk, advertising injury and personal injury including, but not limited to, defamation, libel, slander, product disparagement, trade libel; invasion or infringement of privacy; plagiarism; infringement of copyright, domain name, or the dilution or infringement of trademark. Internet content liability. Breach in network security. In contrast to coverage available elsewhere the policy includes breach of security in relation to denial of service, unauthorized access, and theft of data arising from hacker attacks or a computer virus. Inadvertent transmission of a virus or other malicious code. Breach of confidence or misuse of information. Free online risk assessments by leading security experts, NetDiligence, where there is a network security exposure (only if revenues exceed $10 million or if the risk is referred). Assessments are usually conducted online and are unobtrusive. The Insured is given copies of all assessment reports. Underwritten by ACE Global Markets, the Lloyd’s based insurance operation of the ACE Group of Companies. The overall rating for ACE’s Lloyd’s operation is: A- (Excellent) A.M. Best and A (Strong) Standard & Poor’s. Where necessary, coverage can be customized on an individual producer basis to assist differentiation. Such customized coverages include: cost of contract correction, choice of defense counsel, punitive damages and injunctive relief. SafeEnterprise™ has been specially designed to protect companies that provide technology-related products or services or offer professional services via the Internet. Target audience: The policy is designed for: Application Service Providers Business-to-business (B2B) websites Computer and system maintenance companies Computer consultants (inc. hardware/software) Computer-related training providers Computer security companies Computer software developers Content channels Credit card processing companies Customer Relationship Management (CRM) companies Data processors eCommerce (B2C) websites Electronic BBS/forum managers Enterprise Resource Planning (ERP) companies eProcurement service providers Healthcare and HIPAA focused companies Information services providers Insurance and risk management organizations Internet media/publishing/ broadcasting and advertising companies Layering technology companies Messaging services Network security companies Packaged software vendors Portals Publishers Software designers Systems integrators Web content/page providers/developers Web page maintenance companies Social Service Our Program For Social Service Agencies is underwritten by an A+ carrier. Coverage: General Liability/Professional Liability/Property/Umbrella Policy Forms: Occurrence and Claims Made Limits: General Liability – up to $1,000,000. Occ/$3,000,000. Aggregate Professional Liability – up to $1,000,000. Occ/$3,000,000. Aggregate Physical Sexual/Molestation Sublimit –Max Limit of $1,000,000/$1,000,000. Deductibles: Options available for $1,000., $2500., $5000. + Coverage Extensions For: Physical/Sexual Molestation Employee Benefits Classes Written: OutPatient/Substance Abuse Counseling DUI Classes Methadone Maintenance Non-Medical Detox Hospice-Outpatient Mental Health Day Care –Part Hosp. Mental Health Day School Day Schools Outpatient Counseling Recreation Programs Training Day Care Centers & Referral Agencies Mental Retardation & Cerebral Palsy Centers Sheltered Workshops & Work Activities Case Management-Referrals Crisis Hotline Residential/Inpatient Counseling Group Home [3+ month with other services] Group & Residential Homes Halfway Houses-Inpatient Homes for battered [refugees] Inpatient Mental Health Residential Treatment- MH/MR Inpatient Detox Supervised Living Arrangement Hospice Respite Care Adoption/Foster Care Adult Foster Care Adoption and/or Foster Placements Adoption and/or Foster Care Counseling
Mack Specialty Brokerage 7379 Pearl Rd Suite 6 Cleveland, OH 44130-4808	E-mail: info@mackspecialty.com Phone: (440) 268-0200 Fax: (440) 268-0202