COVERAGE AND POLICY HIGHLIGHTS

ª      BROADEST ARRAY OF COVERED LIABILITIES, INCLUDING VIOLATION OF ANY FEDERAL, STATE, OR LOCAL LAW, INCLUDING COMMON LAW VIOLATIONS PERTAINING TO ANY KIND OF DISCRIMINATION OR HARASSMENT.  ª       MORE THAN JUST EMPLOYMENT PRACTICES LIABILITY IS COVERED — CLAIMS OF DISCRIMINATION OR HARASSMENT MADE BY THIRD-PARTIES, SUCH   AS CUSTOMERS AND CLIENTS, ARE ALSO COVERED WHETHER BROUGHT UNDER PUBLIC ACCOMMODATION STATUTES R ANY OTHER THEORY OF LIABILITY. ª      BROAD EMPLOYEE CLAIM COVERAGE INCLUDING FULL-TIME, PART-TIME, SEASONAL, TEMPORARY, AND EVEN CLAIMS BY LEASED WORKERS AND INDEPENDENT CONTRACTORS ARE COVERED.  ª                  FULL PRIOR ACTS COVERAGE.  ª                  CLAIMS FOR NON-MONETARY RELIEF COVERED.  ª                  NO INTENTIONAL ACTS EXCLUSION.  ª                  NO CLASS ACTION EXCLUSION.  ª                  NO BODILY INJURY EXCLUSION FOR EPL CLAIMS.  ª                  NO DOWNSIZING EXCLUSION.   ª                   ANY NEEDED LOSS CONTROL SERVICE PROVIDED AT UNDERWRITERS’ EXPENSE BY A NETWORK OF LEADING LABOR LAW FIRMS; LOSS CONTROL INCLUDES CREATION OF FULL POLICIES/PROCEDURES AND TRAINING, IF REQUIRED.  ª                     MINIMUM PREMIUM: $2,000  ª                     MINIMUM DEDUCTIBLE: $5,000  ª                     SEPARATE DEFENSE LIMITS AND PUNITIVE DAMAGES COVERAGES AVAILABLE    PUA also has a specific EPL coverage form for LAW FIRMS and below are some of the highlights:  ª                  COVERAGE TAILORED SPECIFICALLY TO THE PARTICULAR EMPLOYMENT PRACTICES AND OTHER DISCRIMINATION EXPOSURES OF LAW FIRMS.  ª                  FAILURE TO MAKE PARTNER CLAIMS COVERED.  ª                 MORE THAN JUST EMPLOYMENT PRACTICES LIABILITY IS COVERED--  CLAIMS OF DISCRIMINATION MADE BY THIRD-PARTIES, SUCH AS CLIENTS OR PROSPECTIVE CLIENTS OF THE FIRM, ARE ALSO COVERED WHETHER BROUGHT UNDER PUBLIC ACCOMMODATION STATUTES OR ANY OTHER THEORY OF LIABILITY.  ª                 COVERAGE EXTENDS TO THE FIRM, AND EVERY PERSON IN THE FIRM, INCLUDING PARTNERS, PRINCIPALS, SHAREHOLDERS, ASSOCIATES, “OF COUNSEL” LAWYERS, AND EMPLOYEES.

UNDERWRITING INFORMATION REQUIRED

	Short-Form PUA Application and/or another carrier's main-form application currently completed for Non-Binding Indications.
	PUA Application fully completed by the Insured prior to binding coverage. Supplies of applications are available upon request.
	Attachments required per the PUA Application.

SPECIAL NOTES

A)	Prompt quotation/indication turnaround.
B)	Prompt policy issuance at PUA's Oakbrook Terrace, Illinois office.
C)	This facility is offered to eligible insurance brokers on a surplus lines basis in all states. Brokers are responsible for filing appropriate forms and collection and payment of surplus lines tax in the state.

SCHEDULE OF INSURERS

Lloyds of London (U.K.)
Financial information available upon request.