Idaho, Montana, Oregon and Washington

  • Consent to settle
  • Contractual and vicarious liability
  • Data compromise (at no additional cost)
  • First dollar defense
  • Full prior acts
  • Innocent Insured (for fraudulent or dishonest acts)
  • Insurance carrier insolvency
  • Insured vs. Insured (for personal lines placements)
  • Personal and advertising injury for professional services
  • Punative damages (where allowed by law)
  • Vicarious fiduciary liability
  • Employment practices liability coverage, available by endorsement with separate limits and deductible
  • Professional services extra expense coverage

Property and casualty should represent 75% of your business and your annual premium volume should be $1 million at minimum. Businesses also should have good loss history.