Products & Services: Commercial

- Fire and Allied Coverages for Buildings and Contents
- General Liability
- Professional Liability
- Bonds
- Boiler & Machinery
- Inland Marine
- Builders Risk
- Automobile/Fleet
- Umbrella/Liability
- Workers' Compensation

"GOLD SEAL"
Insurance Program for Social Service/Health Agencies

These insurance products are specifically designed to provide comprehensive coverage for social service/health agencies. Major lines of coverage have been packaged whenever possible to minimize potential gaps and/or overlaps of coverage. This design also allows for easier risk assessment and cost management.

Loss control and risk management remains individualized, by providing: on-site visits, reviews, plans and reports.

Property-Special Form

- Blanket Real Property, Business Personal Property and Property of Others
- Replacement Cost
- Agreed Value Form
- Personal effects of Consumers and Employees
- Ordinance Coverage
- Blanket Business Interruption and Extra Expense
- Property in transit
- Accounts Receivable
- Valuable Papers
- Key Employee
- Equipment Breakdown Protection

- $1,000,000/$3,000,000 Limits
- $15,000 Medical Payments (includes volunteers) w/ GL Deluxe
- Damage to Providers Homes
- $100,000 Fire Legal Liability -$300,000 w/ GL Deluxe
- Broad Additional Insured Endorsement
- Aggregate Per Location Endorsement
- Employee Benefits (Claims-Made Form)
- Abuse/Molestation
- Mental Anguish
- Discrimination is added to personal injury

- Symbol 1 - Any Auto Liability
- Hired/Non-Owned Auto
- Hired Auto-physical damage available
- Employees as Additional Insureds
- Composite Rated (when eligible)

Umbrella
(higher limits if necessary)

- Up to $10,000,000 Limits Available

Excess Over
- General Liability
- Professional Liability
- Abuse/Molestation
- Employers Liability
- Auto Liability

Workers Compensation

Optional Contracts
- Guaranteed Cost Programs including Stock Discount
- Optional Pricing Programs Available
- Unique and Effective Loss Control Programs
- Niche and Association Programs

Directors & Officers

- Flexi Plus D&O Policy Form
- Employment Practices Coverage

- $1,000,000/$3,000,000 Limits
- Covers Acts of Independent Contractors including sub-contracted physicians
- Employees, Volunteers, and Students in Training included as insureds

Crime

- Employee Dishonesty
- Forgery/Check Alteration
- Pension/Welfare Plan Available
- Theft, Disappearance, Destruction - inside/outside
- Robbery & Safe Burglary
- Includes Non-Compensated Officers, Directors & Trustees

Additional Benefits

- Individual monthly Loss Runs available
- Quarterly Summaries
- MVR Driver Checks
- Customized Loss Control Surveys and Programs
- 3 Year Rate Guarantee Available
- Individual Underwriting and Business Plans
- Simplified Renewal

IPNE has designed coverages and negotiated with a preferred insurance carrier to provide property and liability insurance for landlords of group homes, apartment programs, and other facilities leased or rented by social service/health organizations.

The program offers the following benefits and coverages:
- Favorable Rates
- Flexible Underwriting
- Coverage Enhancements
- Special Form Coverage
- Blanket Building Coverage
- Replacement Cost Valuation Basis
- Loss of Rents

**Please see our Partner Companies and General Links tabs to the left for related resources.