Employee Risk

-Worksite Solutions Review __________

-Group Medical Renewal Date: __________

Provisions / Forms

-Alarm / Fire Sprinkler System Warranty

-All Named Insured’s included

-How are all Properties Titled?

-Additional Insured’s Included

-Blanket Property Limits

Buildings

-Additional Coverage needed? Canopies, Awnings,

     Signs, Light Poles, Fences, Below Ground

     Property (Plumbing etc.), Antennas, Towers

-Artificial Power Surge coverage / Equipment Breakdown

-Damage due to Covered Loss to Off Premises Utilities

-Earthquake coverage

-Flood / Excessive Surface Water Runoff

-Limits of Insurance Adequate? Debris Removal, Building

-Building Ordinance / Law Exposure

Business Personal Property

-Earthquake coverage

-Flood / Excessive Surface Water Runoff

-Reporting form or Inflation Guard needed

-Artificial Power Surge coverage / Equipment Breakdown

-Damage due to Covered Loss to Off Premises Utilities

-Precious Metals / Alloys coverage

-Marring / Scratching of Dies

-Property of Customers or Employee Tools Coverage

-Spoilage Coverage

-Limits of Insurance Adequate? Debris Removal, Contents

-Breakage of Fragile Items / Fine Arts coverage

Time Element / Loss of Income / Extra Expenses

-Business Income coverage

-Extra Expenses coverage

-Artificial Power Surge included in Business Income

-Due to Covered Loss to Off Premises Utilities

-All locations covered by Business Income Coverage

-Are all Limits of Insurance Adequate

-Credit Insurance or Accounts Receivable Insurance

-Due to Covered Loss to Customer / Supplier etc.

-Ordinary Payroll – Limit it to 60 Days in Bus. Income Limit

-Discretionary Payroll Exp. / You Choose what is Covered

Liability

-Umbrella / Excess Liability; Higher Limits

-Employee Benefits Errors & Omissions

-Directors / Officers Liability (Private or Non-Profit)

-Professional / Errors & Omissions Liability

-Sexual Abuse / Molestation Liability

-Pollution Liability

-Hired & Non-Owned Aircraft Liability

-Cyber-Internet-Website Liability

-Rigger’s Liability

-Liquor Legal Liability

-Damage to Rented Premises / Non-Owned Property

-Liability Coverage Outside the United States

-Excl.Removal: Damage to Sub’s / Your Work

-Excl.Removal: Damage to Customer Data-Software

-Garage Coverage Include Boats / In Tow Exposure?

Automobile

-DOC (Drive Other Car) coverage Including PD

-DOC Include all Family Members?

-Hired & Non-Owned Auto Liability Coverage

-Hired Auto PD Coverage (Physical Damage)

-How are Autos Titled?

-Mexico / Canada Coverage

-Specialty / Mounted Equipment Needing Coverage

-In Tow coverage

Workers’ Compensation

-Owners Excluded or Included

-Any Work Done @ Federal Locations?

-Any Work Done over a Body of Water?

-Leased Workers

-Work in Other States or Outside the U.S.

-Increased Employers’ Liability Limits

Crime / Inland Marine / Other

-Employee Dishonesty (Including Non Employees)

-Theft of Cash – On / Off Premises Coverage

-Coverage for Property in Transit

-Builder’s Risk Coverage

-Installation Floater

-Mobile Equipment Coverage – Away from Premises

-Computers / Software / Data Specialty Coverage

-Performance / Payment / Other Bonding Needs

-Ocean Marine / Transit Coverage Outside the U.S.