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 Human Service 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