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“All Risk” Policy approach
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Limits available to $1,000,000/$3,000,000
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Two or more professional classes? One policy covers all
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Retentions starting at $0
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Coverage for BI/PD resulting from professional services
included
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Coverage for
independent contractors included
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Defense outside limit option available
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Bi-lateral extended reporting period available up to 3
years
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Prior Acts Coverage available
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$25,000 EPL limit included on some classes, higher limits
available