SUM Insurance

SECURITY & PROTECTION INDUSTRY PRACTICE

COMMERCIAL GENERAL LIABILITY (OCCURRENCE FORM)


  • $5,000,000.00 policy limit, with easy access to higher limits via our in-house Excess/Umbrella liability facilities.
  • Occurrence and Claims Made forms available. Our Occurrence form is based on the IBC 2005 wording, Claims Made is based on IBC 1986. Our wordings do NOT exclude Efficacy ("Failure to Perform").
Our SECURITY & PROTECTION INDUSTRY COVERAGE EXTENSION ENDORSEMENT provides
  • Lost key coverage
  • Halon/Other Fire Extinguishing Agent Release
  • Airport restriction liberalized
  • Personal property ccc coverage at the premises of the insured
Our wordings standard features include:
  • Intentional Injury in Defense of Persons or Property
  • Personal Injury incl. Advertising Injury Liability, Malicious prosecution, False Arrest, Detention or Imprisonment, Wrongful Eviction, Entrance and Invasion of privacy, Libel & Slander
  • Bodily Injury and Property Damage arising from Premises
  • Operations and Products/Completed Operations
  • Voluntary Medical Payments
  • Broad Form Tenants Legal Liability (limit outside of general aggregate)
  • Non-Owned Automobile
  • Employee Benefits Liability
  • Employers Liability & Voluntary Compensation
  • Forest Fire Fighting Expenses
  • Broad form Named Insured
  • Defense Expense in addition to limits of insurance (Occurrence form)
  • Contractual Liability
  • Contingent Employer's Liability
  • Owned and Non-owned watercraft under 10 m
  • Attached Machinery
  • Unlicensed Automobiles
  • Broad Form Property Damage including loss of use
  • Hostile Fire Exception to pollution exclusion
  • Owner and Contractor Protective
  • Employees and Volunteers as Insureds
  • Newly acquired ventures for 90 days
  • Incidental Medical Malpractice
  • Cross Liability
  • Blanket Additional Insureds/Vendors available
  • Employee Benefits Liability
  • IBC 2313 Sudden & Accidental extension available
  • Recall extension available

ERRORS AND OMISSIONS LIABILITY


  • For your clients with Errors & Omissions exposure we can offer an E&O extension. Private Investigators, Security Consultants and Security Training Academies in particular ought to consider this valuable coverage.
  • $2,000,000 Claims made Limit available

CRIME


  • Employee Dishonesty Form A, Money Orders, Counterfeit Paper, Depositors Forgery, In/Out Robbery with THIRD PARTY EXTENSION available.
  • Industry leading $250,000 in-house limit available.

PROPERTY


  • Our forms tackle your client's diverse needs, and include POED, Contractor Equipment, Installation, Transportation, Miscellaneous Floaters, Quake, Flood and SBU extensions, and a coverage enhancement endorsement.
  • $500,000 TIV limit available.