ArgoPro Product Overview 0610 · Occurrence form General Liability Defense cost can be either...

Product OverviewGET THERE TOGETHER

Argo Pro is part of Argo Group’s E&S segment, which also includes Colony and Argonaut Specialty. Getting its start as the professional lines underwriting division of Colony, Argo Pro continues to write a broad spectrum of specialty professional liability and environmental risks on a non-admitted and an admitted basis.

On October 1, 2008, Colony’s Professional Lines became Argo Pro. This name change reflects our dedication to professional liability and continues our move to clarify our offerings, while continuing to uphold the values that have served our clients so well since 1988. Argo Pro is comprised of Allied Medical, Errors & Omissions, and Environmental.

Argo Pro is dedicated to providing specialty products and superior service through an efficient network of appointed specialty agents and brokers. We operate through offices in Illinois, Virginia, Arizona and New Jersey.

As a subsidiary of Argo Group International Holdings, Ltd., Argo Pro writes business through:

Colony Insurance Company (admitted in VA and allowed to write non-admitted in 49 states, • DC and US Virgin Islands)

Colony Specialty Insurance Company (admitted in 20 states including DC; allowed to write non-admitted • in VA, WA, WV and WI)

Colony National Insurance Company (admitted in FL, IL and VA; allowed to write non-admitted in • 36 states including DC)

Argonaut Insurance Company (admitted in all states including DC and Virgin Islands) •

Argonaut Mid-West Insurance Company (admitted in 45 states including DC) •

Our companies carry an AM Best rating of “A” Excellent and a XII financial size category.

Argo Group International Holdings, Ltd. is an international underwriter of specialty insurance and reinsurance products in the property and casualty market. We offer a full line of high-quality products and services designed to meet the unique coverage and claims handling needs of businesses in four segments: Excess and Surplus Lines, Commercial Specialty, International Specialty, and Reinsurance. NasdaqGS: AGII. Please visit www.argolimited.com for additional details.

ArgO PrO: A Leading Specialist in Professional & Environmental Liability Lines

GET THERE TOGETHERrev 04.10

PROFESSIONAL LIABILITY

Professional Lines

Argo Pro is comprised of three divisions including Allied Medical, Errors & Omissions (E&O), and Environmental.Argo Pro works exclusively through appointed wholesale brokers. Appointments are made separately for each of these three divisions. Appointments are granted when we believe there is a match between your needs and our capability to provide products for those needs.

The Allied Medical Division targets risks in long term care, miscellaneous health care facilities, and social services.We provide Professional and General Liability coverage, including physical/sexual abuse, hired & non-owned auto,stop-gap liability, employee benefits, and excess liability.

The Errors & Omissions Division targets insurance agents, lawyers, miscellaneous E&O, information technology professionals, and employment practices liability lines across a wide variety of individual classes of business.

Minimum requirements for an Allied Medical or E&O appointment are:

An existing book of these types of businesses already written within your agency•

A broker on staff as a dedicated resource for Allied Medical and/or E&O•

A written premium goal to be agreed upon after evaluating the opportunity•

A bind-to-quote ratio of 20% or higher and declined-to-received ratio of 35% or less•

The Environmental Division provides coverage for environmental consultants and contractors, site specific coverage for facilities, storage tanks, and dry cleaners.

Minimum requirements for an appointment are:

An existing book of this type of business already written within your agency•

A broker on staff that has a working knowledge and experience in these classes of business•

A written premium goal to be agreed upon after evaluating the opportunity•

A bind-to-quote hit ratio of 30% or higher and a declined-to-received ratio of 15% or less•

Commitment to a 65% renewal retention•



Professional Lines

AchiEving grEAt rESuLtS tOgEthEr:We’re committed to finding the right solution for your professionalliability insurance risks.



Professional Lines

ArgO PrOEstablished dedicated PL product development •

operation

Expanded dedicated professional liability • claims staff

Enhanced website content and functionality•

Acquired Insight Insurance Services•

AlliED MEDicAlOccurrence GL coverage on all classes•

Rewrite of MHCF, SS and LTC policies•

Expanded lab product appetite•

Evacuation coverage developed for residential • care facilities

Privacy incident response coverage•

Privacy wrongful acts coverage•

Forms placed on website for easy agent access•

Expanded automatic renewal guidelines•

Automobile coverage for NEMT•

Creation of Small Business Unit•

ErrOrs & OMissiOnsIntroduced ARGO PROtect policy form designed •

specifically for IT professionals

Established “Middle Market” unit for MPL, • IT Professionals and Insurance Agents

Added Security Incident coverage•

Increased commission for Miscellaneous PL•

Expanded coverage by adding worldwide • coverage for IT and MPL

Developed non-standard A&E product•

EnvirOnMEnTAlHired Mark Brown as Environmental Division VP•

Opened Edison, NJ office•

Significantly expanded risk appetite•

Increased available limits to $10MM•

Developed new package policy offering a any • combination of four coverages, including:

– General Liability – Contractors pollution liability – Errors & Omissions liability – Pollution Legal Liability

At A gLAncE:What we’ve done since January 2009

RICHMOND OFFICE800.577.6614

8720 Stony Point ParkwaySuite 300

Richmond, VA 23235

CHICAGO OFFICE800.422.9120

225 W. WashingtonChicago, IL 60606

SCOTTSDALE OFFICE877.251.3422

7272 East Indian School RoadSuite 500

Scottsdale, AZ 85251

NEW JERSEy OFFICE732.906.6718

379 Thornall Street Edison, NJ 08837

PErfEct MAtch:the right insurance coverage for social service industries,miscellaneous healthcare facilities, and long term care facilities

Our goal is to provide a market for insurance that covers medical facilities risks not written by the standard market.Below is a list of the diverse coverages we provide for social services, miscellaneous healthcare facilities and long term care facilities.

sOciAl sErvicEs

Target classes

Adoption agency/foster placement

Adult day care

Counselors’ exposures

Drug & alcohol rehabilitation

Group homes: mentally or physically impaired youth,

orphaned, abused, or troubled children

Pastoral counseling liability

Shelters (battered women, children and homeless)

MiscEllAnEOus hEAlThcArE fAciliTiEs

Target classes

Ambulance services

Home healthcare services

Imaging centers

Medi spas

Medical directors

Medical test labs

Non-emergency & non-medical transport

Nurse registry/medical staffing

Physical therapy clinics

Surgical centers

lOng TErM cArE

Target classes

Assisted living facilities

Independent living facilities

Skilled nursing facilities

AvAilAblE cOvErAgEs

Professional Liability

General Liability

Employee Benefits Liability

Excess Liability

Employed Physicians & Psychiatrists

Hired and Non-Owned Auto

Medical Directors

Sexual Abuse and Molestation

Stop-Gap Liability for monopolistic states

Third Party Theft

Please email your submissions to [email protected] or call us with any questions. Contact information is available with this packet. For more information about our other products, visit www.argoprous.com.



Allied Medical


BY THE NuMBERS: A sample of recently written accounts


ALLIEd MEdIcAL

Hit List

Risk Type State Primary/Excess Poicy Limits PremiumAir Ambulance Sc Primary $1M/$1M $ 15,000

Assisted / Independent Living Facility MO Primary $5M/$7M $ 90,000

Assisted Living Facility Md Primary $1M/$3M $ 16,500

Assisted Living Facility cA Primary $1M/$3M $ 11,780

cPR & AEd Training VA Primary $1M/$3M $ 9,829

dentist cA Primary $1M/$3M $ 8,454

durable Medical Equipment TN Primary $1M/$3M $ 5,000

Emergency Transportation GA Primary $1M/$2M $ 39,000

Emergency/Non-Emergency Ambulance NY Primary & Excess $6M/$8M $105,340

Emergency/Non-Emergency Ambulance cA Primary $1M/$3M $ 73,647

Group Home MI Primary $1M/$3M $ 23,000

Group Home AK Primary $1M/$3M $ 33,007

Health & Fitness Network NY Primary $1M/$3M $ 51,000

Helicopter Ambulance PA Primary $2M/$4M $ 45,000

Home Healthcare Agency Nc Primary $500K/$1M $ 8,800

Imaging for correctional Facilities PA Primary $1M/$3M $ 9,500

Medical Imaging PA Primary $5M/$5M $ 9,409

Medical Staffing NH Primary $1M/$1M $ 56,572

Medical Test Lab MA Primary $1M/$3M $ 28,000

Medi-Spa cA Primary $5M/$5M $ 4,500

Nursing Home/ Skilled Nursing Facility dc Primary & Excess $2M/$4M $630,000

Nurse Staffing PA Primary $2M/$4M $ 18,443

Residential Home for At-Risk Youth KY Primary $1M/$3M $ 5,500

Social Service - Sexual Aggressive Youth Program

Nc Primary $1M/$2M $ 10,000

A HELPING HANd:We are proud to provide diverse insurance coveragefor the social service sectorOur goal is to provide a market for insurance that covers hard-to-place risks not written by the standard market.Below is a list of the target classes and diverse coverages we provide for the social service sector.


TArgET clAssEs

Adoption agencies

Adult day care facilities

Drug & alcohol rehabilitation centers

Foster placement agencies

Halfway houses

Pastoral liability

Psychiatrists, counselors & outpatientcounseling centers

Residential group homes: Developmentallydisabled & mentally retarded risks

Residential shelters (battered women,children & homeless)

Services for the physically challenged

youth group homes

cOvErAgE fEATurEs

CGL: Separate or combined CGL and PL limits

Occurrence form General Liability

Defense cost can be either inside or in addition to thepolicy limits

Punitive damages coverage

$2K - $4K minimum premium range depending onpolicy limits

Incident sensitive coverage with discovery clause

Primary coverage for all employed MDs andpsychologists available

Non-owned auto available for risks that do not transport clients


ALLIEd MEdIcAL

Social Services

EXPERIENcE ANd dEdIcATION:Trust us to deliver the perfect insurance solution for your healthcare facilityOur goal is to provide a market for insurance that covers medical facilities risks not written by the standard market.Below is a list of the target classes and diverse coverages we provide for healthcare facilities.


clAssEs Of businEss

Ambulance services, including air transport/med fl ights

Home health care agencies

Imaging/X-Ray centers

Kidney dialysis clinics

Labs

Medi spas

Medical staffi ng/nurse registry

Medical test labs

Non-emergency medical transportation

Physical therapy clinics

Outpatient surgery centers

cOvErAgE fEATurEs

Defense cost in addition to policy limits

Employee benefi ts liability

Evacuation

Full abuse and molestation limits

Hired & non-owned auto

Medical payments

Occurrence GL form available

Occurrence PL on select classes

Privacy Coverage

Punitive damages

Separate policy limits for GL/PL

Stop-Gap Liability for monopolistic state

Third Party Theft coverage for home healthcare risks

Up to $5M of excess limits available


ALLIEd MEdIcAL

Miscellaneous Healthcare


WE cAn hELP:Argo Pro provides expanded coverage options for assisted livingfacilities and independent living facilitiesOur Allied Medical division has expanded its risk appetite for assisted living and independent living facilities.We have also lowered our base rates signifi cantly and expanded our policy coverage.


cOvErAgE fEATurEs

Lower rates for assisted living facilities & independent living facilities

Assault & battery exclusion has been removed

We offer occurrence PL coverage on independent living facilities

We can offer medical payments for non-residents at limits of $2,500/$10,000

Broader coverages including:

— Higher sexual abuse limits

— Punitive damages

— Split limits

— Defense outside the limit

— Communicable disease coverage

Broader coverage territories, including credits for better venues

Evacuation coverage now available

ALLIEd MEdIcAL

Assisted & Independent Living


WE DELivEr:Argo Pro now provides Ambulance, non-Emergency & non-Medicaltransportation risks coverage on an occurrence basis

you are probably aware that we are a market for emergency and non-emergency medical transportation risks,including air ambulances. We are pleased to announce that we can now provide the same coverage on anoccurrence form.


cOvErAgE fEATurEs

Available coverages include General Liability, Professional Liability and Abuse

We also write General Liability coverage for air ambulances

Occurrence or claims made and reported form

Coverage is also available for loading and unloading for additional premium when this is excluded from the auto liability carrier’s policy

Medical Directors

Risks are rated on emergency calls, non-emergency calls or gross revenue

ALLIEd MEdIcAL

Transportation


nOW cOvEring SurgicEntErS

Our Allied Medical division is pleased to announce a new coverage form for surgicenters, the facilities offeringoutpatient surgical services (no overnight stay). We provide fl exible policy form coverages and competitive rates.


cOvErAgE EnhAncEMEnTs

CGL: Occurrence or claims made and reported

Separate limits for CGL and PL claims made

Optional deductibles : Apply to defense and indemnity or only indemnity

Defense cost can be either inside, or in addition to, the policy limits

Punitive damages and sexual abuse can be covered

Up to a fi ve year extended reporting period available

Incident sensitive coverage with discovery clause

Coverage will not be offered for the following:

— Bariatrics

— Elective plastic surgery

— Obstetrics

— Operating Room Emergency centers

Employed physicians coverage available as well

ALLIEd MEdIcAL

Surgicenters

nEED MEDi-SPA cOvErAgE?


WE Will EnTErTAin cOvErAgE fOr ThE fOllOWing:

Aesthetic/Cosmetic Spas

Preventative/Wellness Spas

Complementary/Alternative Spas

ExclusiOn:

Hormone Therapy

cOvErAgE fEATurEs:

$100,000/$300,000 Sexual Abuse/Molestation sublimits provided at no extra charge

Incident Sensitive Policy Form

No exclusion for 24 hour care/overnight beds

Coverage carve-back for certain Insured vs. Insured claims

Coverage available for Medical Director’s administrativeliability

Coverage available for Medical Director’s clinical care as a treating physician

Pools, saunas and tanning beds included for no extra charge

Minimum premiums from $1,800 - $2,500 depending on type of spa

Deductibles as low as $2,500

Interns are included in defi nition of employee

Coverage for independent contractors available

60 day basic extended reporting period provided free of charge

Punitive damages coverage available

Optional medical facility barber and beautician services coverage extension


ALLIEd MEdIcAL

Medi-Spas

Our Allied Medical division is pleased to announce we can now write policies for Medi-Spas and Anti-Aging Clinics.

targeting Errors & Omissions Accounts

Our goal is to provide a market for insurance that covers hard-to-place risks not written by the standard market.Below is a list of the target classes and features we provide for professional liability accounts.

ErrOrs & OMissiOns fOr

Insurance agents

Lawyers

Miscellaneous professional liability

Technology professional liability

Real estate

EPLI

fEATurEs

Creative underwriting solutions

Prompt and professional service

Broad coverage policy forms

$5MM limits available with additional excess limits available on select accounts

Expert claims handling



ERRORS & OMISSIONS

Professional Lines


Risk Type coverage PremiumPublic Relations consultant E&O $ 4,500

Plaintiff Litigation Law Firm E&O $ 4,500

computer consultant GL/E&O/Intellectual Property $ 3,500

Website designer E&O $ 1,500

Translator GL/E&O $ 1,750

Family Law Firm E&O $ 11,500

OSHA compliance consultant E&O $ 1,700

Telecommunications consultant GL/E&O $ 2,000

Medical Billing E&O $ 5,000

Temporary Employment Agency E&O $ 2,000

Software Manufacturer GL/E&O $ 7,500

Real Estate Appraiser E&O $ 4,500

MGA Insurance Broker E&O $37,500

Auctioneer E&O $ 4,500

Executive Search Firm E&O $ 1,500

computer Software design GL/E&O $ 5,500

Life & Health Insurance Agency E&O $ 14,500

Real Estate Agency E&O $ 7,500

Safety consultant E&O $ 8,400

Mortgage Broker E&O $ 4,500

dating Service E&O $ 3,500

By thE nuMBErS: A sample of recently written accounts

Call your E&O underwriter if you have any questions. See policy for complete terms and conditions. Contact information is available with this packet. For more information about our other products, visit www.argoprous.com.

ERRORS & OMISSIONS

Hit List


thE right SOLutiOn:Argo Pro offers coverage for insurance agents and brokers

fEATurEs

Claims-made and reported coverage

Prior acts for select accounts

An aggregate deductible is available on most accounts

Security incident response sublimit

Extended reporting period up to fi ve years quoted up front for most accounts

Insolvency coverage B+ or better

Optional coverages including:

- defense outside limits

- independent contractors solicitors coverage

- annuities coverage – fi xed and variable annuities

Newly licensed agents & brokers

Risks that have experienced losses

100% life & health agents

Specialty agents (including aviation, professional liability,crop insurance, etc.)

Personal and commercial lines

MGA, MGU, Surplus Lines Brokers

Ancillary Services including:

- Risk management services

- Premium fi nancing

- HR/Employee Benefi t consulting

- Claim adjusting services

TArgET APPETiTE


ERRORS & OMISSIONS

Insurance Agents


ERRORS & OMISSIONS

Lawyers

ArgO PrO cOvErAgE OPtiOnS fOr LAWyErS

fEATurEs

Aggregate deductibles

Defense outside the limits

Prior acts coverage

Predecessor fi rm coverage included

Personal injury

Extended reporting period up to fi ve years quoted up-front for most accounts

Security Incident Response Coverage

Law fi rms with up to 40 attorneys

Loss-free and non-standard/distressed practices

Employed lawyers

Solo practitioners

Part-time lawyers

Class action lawyers

Plaintiff litigation lawyers

Intellectual property lawyers

Most areas of practice will be considered

AccEPTAblE risKs



ArgO PrO’S E&O DiviSiOn:Miscellaneous Professional Liability coverage

Actuarial

Advertising agency

Application service providers

Auctioneers

Business services off ered to third parties in an insured’s general fi eld of expertise

career counselors

claims adjusters

court reporters

Event planners

Expert Witnesses

Freight Forwarders

HR consultants

Marketing fi rms

Medical billing

Premium fi nance

Printers

Public relations

Repossessors

Strategic Planners

Transcribers

Travel agents

sAMPlE clAssEs Of businEss

fEATurEs

Copyright/trademark coverage

Personal and advertising injury

“Who is an Insured” includes subsidiaries, spouses and independent contractors

An aggregate deductible is available on most accounts

Contractual liability exclusion has been modifi ed to include coverage in the absence of a contract

Extended reporting period up to fi ve years quoted up-front for most accounts

20% commission

Worldwide coverage is available


ERRORS & OMISSIONS

Miscellaneous Professional


ArgOPrOtect: technology Liability coverage

Application service provider

Computer/network security

Custom software development

Electronic data processors

Equipment or component manufacturing

ERP implementation

Graphic design

Hardware installers

Imaging

Information retrieval

Internet access provider

Packaged software development

Packaged software installation

Programmers

Security installation

Software consultants

Software/hardware sales

Telecommunications consulting

Utilities

Video game developers

Web hosting, design & development

sAMPlE clAssEs Of businEss

fEATurEs

Copyright/trademark coverage

Worldwide coverage available

GL can be considered

Named peril – Failure to prevent: unauthorized access to client network, unauthorized use of data held within client’s network, identity theft

– Electronic, oral or written publication of material that slanders or libels a person or organization, violation of person’s right of privacy

Personal and advertising injury

Defense outside, aggregate deductible and contingent bodily injury and property damage can be considered

Extended reporting period up to fi ve years quoted up front for most accounts


ERRORS & OMISSIONS

Technology


ERRORS & OMISSIONS

Real Estate

rEAL PrOtEctiOn:Argo Pro real estate professional liability form

rEAl EsTATE E&O APPETiTE

Real Estate Agents & Property Managers available in CA only

Residential and commercial risks

Mortgage Brokers

Real Estate Appraisers

cOvErAgE EnhAncEMEnTs

Consent to settle wording

Defense of Fair Housing complaints

Lock box property damage liability and defense

Defense at regulatory board meetings or hearings

Defense of failure to disclose hazardous materials

Coverage for the sale of real property acquired through a ‘guaranteed sale’ listing contract

Covers the rendering of services where the combined ownership of all insureds is less than 20%



Our nEWESt initiAtivE: Middle Market Errors & Omissions

insurAncE AgEnTs

Eligible Risks:

•Size:generallyover$10millioninpremiumvolume

•Firmswithmultipleorsevereclaimactivityconsidered

•RetailAgents/Brokers

•ManagingGeneralAgentsandUnderwriters

•Wholesalers

•SurplusLinesBrokers

•Specialtyplacements:aviation,longhaultrucking,surety, medical malpractice, etc.

MiscEllAnEOus/ TEch E&O

Eligible Risks:

•Size:generallyover$10millioninrevenue

•Firmswithmultipleorsevereclaimactivityconsidered

•Advertising/medialiability

•Computer/softwaretechnology

•Consultants

cOvErAgE

•$5millionlimitavailableforprimaryandexcessonmostaccounts

•Considerationfor$10millionlimitavailableonselectaccounts

•Worldwidecoverageisavailableforselectaccounts

•Defenseoutsidethelimitsoptiononmostaccounts

Argo Pro is proud to announce the launch of our newest underwriting initiative – professional liability insurance for middle market accounts. The same quality competitive coverage you’ve come to expect from us for smaller accounts is now available for larger risks. We are presently focusing our middle market effort on Insurance Agents, Miscellaneous Professional, and Technology risks.

The following are general guidelines for eligible risks:

Please contact David Donovan-Schager at 480-889-5723, or via email at [email protected] for additional details. For information about any of Argo Pro’s products, please visit www.argoprous.com.

ERRORS & OMISSIONS

Middle Market

Insight Insurance Services, Inc. became a part of Argo Pro in late 2008. Insight is a program administrator specializing in professional liability insurance for Architects & Engineers, Accountants, and Insurance Agents. In the past 22 years, Insight has provided unparalleled service resulting in 24 hour turnaround time if not same-day service.

setting the industry standard

Insight has built an unmatched reputation for excellence with our disciplined approach to professional liability underwriting, deep industry knowledge and personalized customer service. Insight prides themselves on fast, reliable service to their producers and their clients. Their consistency eliminates the counterproductive time producers spend tracking down their submissions and following up with less responsive markets. With Insight, service will improve the producers’ efficiency, which is one of the reasons why Insights’ producers continually tell them they are the standard by which they judge all other companies.

Insight Insurance is proud to offer high quality professional liability programs through our outstanding and nationally respected insurance carriers of the Argo Group. Argo will be the exclusive carrier for Insight’s Architects & Engineers, Accountants, and Insurance Agents professional liability insurance programs. Insight operates as the program administrator for these programs and has underwriting and binding authority on behalf of Argo throughout the U.S.

insighTs PrODucTs:

ArchiTEcTs & EnginEErsTargeted classes:

Architects •

Interior Designers •

Landscape Architects •

Golf Course Architects •

Design Engineers whose services result in • construction

Civil Engineers •

Traffic Engineers •

Structural Engineers •

HVAC Engineers •

Mechanical Engineers •

Electrical Engineers •

Acoustical Engineers •

Communication Engineers•

AccOunTAnTsTargeted classes:

CPA Firms •

Accounting firms without CPAs on staff (Enrolled • Agents, Public Accountants, general accounting practices, tax preparation services, bookkeepers, and so on…)

Sole proprietors, including part-time practices •

Accountants that offer financial planning services•

insurAncE AgEnTsTargeted classes:

Independent agencies selling primarily P&C • products

Agencies selling LA&H products as a complement • to P&C sales

Agencies established for a minimum of two years•

cOnTAcT us

2000 South Batavia Ave. Suite 300 Geneva, IL 60134

Tel: 630-208-1900 Toll-free tel: 800-447-4626 Fax: 630-208-7550 Toll-free fax: 800-447-4626

Email: [email protected] www.insightinsurance.com

inSight inSurAncE SErvicES



Insight


ERRORS & OMISSIONS

Employment Practices

uLtiMAtE PrOtEctiOn:Argo Pro partners with Premier Professional Liability to offercoverage for preferred and distressed EPLi programs

sTAnDArD

Limits of liability starting at $250K and up to $5M

Issued on admitted paper in most states

Risks with up to 2,000 employees are eligible

Defense outside the limit of liability; available for mostentities with 250 or fewer employees

$950 minimum premium/minimum deductible of $2,500

Immediate and easy online quoting, electronic applicationgeneration (for review by applicant) and electronicpolicy issuance

Supplemental extended reporting periods for 1, 2 or 3 years

Duty to defend and non-duty to defend options

Retroactive coverage (prior acts) available

Loss prevention services available, which include one hourof free legal advice, access to Human Resource experts, a sample employee manual, and links to helpful websites and articles

Third Party coverage available

nOn-sTAnDArD

Companies with up to 500 employees are eligible

Up to $1M in coverage

Punitive damages coverage where insurable

Third Party coverage on a case by case basis

Loss prevention services, including access to attorneys andHuman Resource consultants

Supplemental extended reporting period available

Non-admitted product

Defense costs outside available

Premier welcomes wholesale broker business and offers 17.5% commission for these accounts.

Call Premier Professional Liability Services, LLC or visit www. premproins.com if you have any questions. Contact information is available with this packet.


PrOfESSiOnAL SOLutiOn:Argo Pro offers a wide range of products for environmental risks

Argo Pro’s Environmental division has introduced an Environmental Package Policy, designed to provide a combination of environmental coverages that can be tailored to fit each insured’s needs.

The four coverages listed below can be written on a monoline basis or can be blended in any combination the client desires. The available coverages in our Environmental Package Policy are:

commercial general liability – Occurrence or Claims Made Basis

contractors Pollution liability -Occurrence or Claims Made Basis

Errors and Omissions liability – Claims Made

Pollution legal liability – Claims Made

The environmental package policy is designed for environmental service providers or facilities. Targeted classes are:

Environmental contractors and consultants•

Manufacturers•

Light industrial•

Treatment storage and disposal facilities (TSDFs)•

Waste operations•

Recycling operations•

Trade contractors•

Engineers•

Mixed discipline consultants.•

Whether the exposure is operational or premises, contingent or contractual, legacy issues or a first time buyer, Argo Pro will have the products to meet the customer needs.

Details of the Environmental Package Policy are outlined in separate pages for each of the insurance product offerings.

ENVIRONMENTAL

Environmental Package Policy


EnvirOnMEntAL gEnErAL LiABiLity

TArgETED businEss:

Environmental contractors & consultants, including remediation and abatement contractors

Environmental facilities, including landfills, treatment storage, and disposal facilities

Manufacturers and distributors of environmental products seeking products pollution, site pollution, or contractors’ pollution coverage

bAsis Of cOvErAgE: Occurrence or claims-made basis

Practice or Project Policy

cOvErAgE ExTEnsiOns TO quAlifiED insurED’s incluDE:

Employee Benefits Liability•

Stop Gap•

Additional and Named Insureds•

Primary Wording and Waiver of Subrogation •

Per project aggregates•

Products pollution liability•

Defense costs are outside the limits in most cases•

ExcluDED clAssEs:

Non-environmental products manufacturers, general, artisan and trade construction contractors.

The commercial general liability offering must have at a minimum 50% or greater revenues associated with environmentally related business activities.

MiniMuM PrEMiuM: $3,500 (for a $1,000,000 policy limit)

POlicY liMiTs: Up to $10,000,000/$10,000,000

MiniMuM DEDucTiblE: $2,500

ENVIRONMENTAL

General Liability


EnvirOnMEntAL cOntrActOrS POLLutiOn LiABiLity

TArgETED businEss:

Environmental, remediation, abatement, & cleanup contractors•

Industrial cleanup•

Storage tank installers removers and service contractors•

Lab Packing and drum handlers•

Contaminated soil excavators•

Herbicide and pesticide applicators•

Thermal treatment•

Drilling, emergency response•

Landfill liner installation and mixed or hazardous waste contractors•

General, artisans, and trade contractors of all kinds offered CPL only•

bAsis Of cOvErAgE: Occurrence or claims-made basis

Practice or Project Policy

cOvErAgE ExPAnsiOn TO quAlifiED insurED’s:

Mold Coverage (claims made basis) •

First and third party transportation pollution liability•

Additional and additional named insured•

Primary and non-contributory wording•

Waiver of subrogation•

Additional defense limits•

Project excess limits•

Nose coverage for claims made cover buyouts•

Defense is inside the limits with ability to provide additional capped defense at a $1,000,000 outside the limit• .

ExcluDED clAssEs: Non-qualified environmental and mold abatement contractors. CGL will not be offered to the

general trade or artisan contractors.




ENVIRONMENTAL

contractors Pollution Liability


EnvirOnMEntAL ErrOrS & OMiSSiOnS

TArgETED businEss: Environmental consultants•

Contractors •

Remediation design consultants•

Regulatory, compliance and permitting•

Environmental laboratory•

Lead, mold and asbestos consulting•

Phase I, II and III consultants•

Remediation oversight•

Hydrogeology consultants•

Indoor air quality and stack emissions consultants•

Underground storage tank testing•

Process engineering• .

bAsis Of cOvErAgE: Claims-made basis only Defense is inside the limits.

cOvErAgE ExPAnsiOn TO quAlifiEs insurED’s: Mold Coverage (claims made basis)•

Additional and additional named insured•

Additional defense limits•

Project excess limits•

Defense is inside the limits with ability to provide additional capped defense at $1,000,000 outside the limit.

ExcluDED clAssEs: Non-qualified mold abatement or design consultants, geotechnical, architects and engineers, miscellaneous E&O, non-environmental laboratory

Environmental division’s Errors and Omissions offering must have at a minimum 50% or greater revenues associated with environmentally related business activities. Coverage will not be considered for geotechnical, architect and engineers and miscellaneous E&O where the revenues are greater than 20% for those services.




ENVIRONMENTAL

Errors and Omissions


EnvirOnMEntAL POLLutiOn LEgAL LiABiLity (Third Party Pollution Liability and Cleanup Coverage at your Location).

TArgETED businEss: Environmental facilities•

Landfills•

Wastewater treatment plants•

Hazardous waste treatment plants•

Recycling operations•

Airport operations•

Wastes disposal•

Sorting and bulking•

Waste transfer stations•

Truck wash and terminals•

Alternative fuels (biodiesel and BTU blending) •

Hazardous waster burners and incinerators•

Infectious and red bag wastes treatment and disposal•

Mixed waste treatment and disposal•

Industrial, commercial and residential properties•

Golf courses•

Agricultural, hospitals, clinics and doctor offices•

Pollution Legal Liability may be offered on most • business classes (The sky is the limit)

bAsis Of cOvErAgE: Claims-made basis only

cOvErAgE ExPAnsiOn TO quAlifiED insurED’s: Mold Coverage third and first party•

Products pollution coverage•

Ability to offer first and third party coverage on • a stand-alone basis

Transportation pollution liability •

First and third party•

Underground storage tank coverage•

Compliance to RCRA and state laws•

In-place asbestos and lead paint coverage•

Non-owned disposal site coverage, first and • third party

Known condition modifications•

Business interruption and extra expense coverage • third party.

Defense is inside the limits with ability to provide additional capped defense at $1,000,000 outside the limit or match TSDF (RCRA) compliance requirements. ExcluDED clAssEs:

Pre-existing conditions•

Onsite cleanup•

Dry cleaners•

Finite risk •

Closure / Post-closure.•




ENVIRONMENTAL

Pollution Legal Liability


StOrAgE tAnK cOvErAgE

Petroleum Storage Tank Coverage is available for underground or above ground storage tanks. The policy for underground storage tanks satisfi es all state and federal fi nancial responsibility requirements and is issued with an EPA Certifi cate of Insurance. Many states have fi nancial assurance funds in place that provide reimbursement for tank leaks; however, several state funds are insolvent and many Insureds cannot afford to pay the up-front cleanup costs and large deductibles. Argo Pro’s Storage Tank Pollution Liability Program provides fi rst dollar coverage and offers Insureds a low-cost alternative to the uncertainty of state reimbursement funds.

What is Storage tank Liability?

Coverage is provided for corrective action costs and third party damages incurred due to a sudden or gradual release of a petroleum product from a scheduled underground or above ground storage tank. Corrective action costs includes on-site and off-site cleanup; third party damages includes BI, PD and diminution of property value. When used to cover underground storage tanks, the form provides fi nancial responsibility coverage that satisfi es state and federal regulations.

tArgEt cLASSES Any commercial business with underground or above ground storage tanks such as: •Convenience Stores •Garages •Tanksusedforprivateconsumption(e.g.TruckFleets,Manufacturing,etc.) •ServiceStations

ELigiBLE tAnKS In service tanks that currently meet state and federal regulations

cOvErAgES AvAiLABLE

Broad form coverageThe coverage trigger for the Broad Form is a “Release” of a petroleum product from a scheduled facility. In the event of a loss, Argo Pro will investigate the loss to confi rm that the release fi rst commenced during the policy period and subsequent to the retroactive date from a scheduled underground storage tank.

continued on next page

ENVIRONMENTAL

Storage Tank coverage


OPtiOnAL cOvErAgES AvAiLABLE

Business interruption and Extra Expense This optional coverage pays for the Insured’s Business Interruption and Extra Expense loss arising from a necessary interruption caused by a release of petroleum from a covered storage tank system.

• Limitsof$25,000and$50,000areavailableandareinadditiontotheUSTpolicylimits.Separatedeductiblesof$2,500 and $5,000 apply, respectively. The coverage is available for all facilities having tanks that were installed after 1970, provided that they are in compliance with state and federal requirements and are otherwise eligible for coverage under the Argo Pro underground storage tank program.

Storage tank repair or replacement cost coverageThis optional coverage pays reasonable and necessary costs to repair, rebuild or replace a covered storage tank system. The need to repair, rebuild or replace must arise out of a release that is covered by the UST policy.

• Limitsof$25,000and$50,000areavailableandareinadditiontotheUSTpolicylimits.Separatedeductiblesof$2,500 and $5,000 apply, respectively. The coverage is available for all tanks that were installed after 1970, provided that they are in compliance with state and federal requirements and are otherwise eligible for coverage under the Argo Pro underground storage tank program.

• StorageTankRepairorReplacementCostCoveragecoversthestoragetanksystem(tank,pipingandattached dispenser) but does not include coverage for petroleum products that are lost or damaged.

LiMitS Limits up to $1,000,000 Each Claim/$10,000,000 Agg. Policy Limit. Per location limits are available equal to the number of sites on any give policy, capped at $10,000,000.

DEDuctiBLE As low as $1,000 Each Claim

MiniMuM POLicy $750 PrEMiuM

Basic form coverage • TheBasicFormhasbeendesignedtocompetewiththemorerestrictivecoveragestypicallyavailableinthemarket place. The coverage trigger for the Basic Form is a “Confirmed Release” of a petroleum product from a scheduled facility. In the event that contamination is discovered at the facility, the Insured must identify the specific source of the release; Argo Pro will further investigate to confirm that the release first occurred during the policy period and subsequent to the retroactive date.

• Unlike many competitors’ policies, Argo Pro covers the costs incurred by the Insured in investigating a confirmed release.

• A“ConfirmedRelease”isdefinedinthepolicyas“aReleasethathasbeeninvestigatedandconfirmed by or on behalf of the Insured by performing a Storage Tank System tightness test or site check in accordance with 40 CFR §280.52 or other applicable state regulation or statute.” In 40 CFR §280.52, the EPA generally describes a site check as the taking of soil samples.

(continued from previous page)

ENVIRONMENTAL

Storage Tank coverage


ENVIRONMENTAL

dry cleaners Program

Dry cLEAnErS PrOgrAM

What is the Dry cleaners Program?The Program provides coverage for a loss associated with a release of dry cleaning solvent from a dry cleaning machine or solvent storage container. It provides coverage for on-site and off-site third party Bodily Injury and Property Damage, including on-site and off-site cleanup costs, and third party diminution of property values.

tArgEt cLASSES All Dry Cleaning facilities that are in compliance with state and federal regulations.

OPtiOnAL cOvErAgES n/a

LiMitS Site Pollution • Limitsupto$1,000,000EachClaim/$2,000,000Agg.PolicyLimit • DefensecostsoutsidetheLimitofLiability • Perlocationlimitsareavailable(upto$10,000,000Agg.PolicyLimit) • Deductiblesstartingaslowas$2,500

DEDuctiBLES As low as $2,500 (options based on facility’s annual receipts)

MiniMuM PrEMiuM Outside the states of california and Washington: • $2,000perlocationforpetroleumbasedsolventmachines $3,000 per location for perc based solvent machines

Within the state of california or Washington: • $5,000perlocationforeitherpetroleumbasedsolventmachinesorpercbased solvent machines upgraded to meet government standards.

PrOgrAM fOrM Site Pollution Liability

PrOgrAM EnDtS. • E026–On-siteBodilyInjuryandPropertyDamageCoverage • E024DryCleaners–Coverageisprovidedforalossassociatedwiththereleaseofdrycleaning solvent from a dry cleaning machine or solvent storage container.



Professional Lines

Argo Pro Management

Allied Medical

cOntActS

RICHMOND OFFICE800 577 6614


Richmond, VA 23235

CHICAGO OFFICE800 422 9120


SCOTTSDALE OFFICE877 251 3422



NEW JERSEy OFFICE732 906 6718


name Phone fax Email

Kevin PriceVice PresidentAllied Medical Division

804 560 4286 804 327 3172 [email protected]

Richmond office 800 577 6614 804 327 3172 [email protected]

Kim Grosser (SE) 804 560 2995 804 327 3172 [email protected]

Liz Stephens (MW) 804 560 4034 804 327 3172 [email protected]

dana Rommel (SW) 804 560 3573 804 327 3172 [email protected]

Sandra Hodge (NE) 804 560 3076 804 327 3172 [email protected]

Gail Robinson (SE) 804 560 3566 804 327 3172 [email protected]

ScottSdale office 877 251 3422 480 889 6848 [email protected]

Julie Kelpien 480 889 5848 480 889 6848 [email protected]

Tina Peralta 480 889 5734 480 889 6848 [email protected]

Kelly Hageman 480 889 5724 480 889 6848 [email protected]


John KeanePresidentArgo Pro

312 201 7507 312 223 0566 [email protected]

mark RookerVice President, MarketingArgo Pro

804 560 3580 804 560 4844 [email protected]

david cohenVice Presidentclaims

312 201 7559 312 201 7597 [email protected]

david WilliamsVice PresidentPL Product development

312 201 7576 312 201 7597 [email protected]

Contacts



Professional Lines

Environmental

Contacts

Errors & Omissionsname Phone fax Email

Vice PresidentE&O Division

312 201 7574 312 201 7597


Jeff Austin 804 560 2026 804 327 3172 [email protected]

claudius charles 804 560 2084 804 327 3172 [email protected]

Jon Gutleber 804 560 3019 804 327 3172 [email protected]

Bonnie Warren 804 560 4125 804 327 3172 [email protected]

chicago office 800 422 9120 312 201 7597 [email protected]

cate Rooney 312 201 7556 312 201 7597 [email protected]

ScottSdale office 877 251 3422 480 889 6848 [email protected]

david donovan-Schager 480 889 5723 480 889 6848 [email protected]

Erik Knauer 480 889 5721 480 889 6848 [email protected]

Stephen Galea 480 889 5724 480 889 6848 [email protected]

name Address Phone Email

Richard gibson,Premier ProfessionalLiability Services, LLC

4883 Turney RoadGarfield Heights, OH44125

P.O. Box 605037Cleveland, OH44105-9998

866 841 4883 [email protected]

RICHMOND OFFICE800 577 6614


Richmond, VA 23235

CHICAGO OFFICE800 422 9120


SCOTTSDALE OFFICE877 251 3422



NEW JERSEy OFFICE732 906 6716


EPLI


mark BrownVice PresidentEnvironmental Division

732 906 6718 732 906 9274 [email protected]

neW JeRSey office 732 906 6718 732 906 9274 [email protected]

Amy Thurber 732 906 6712 732 906 9274 [email protected]

Frank diFabio 732 906 6742 732 906 9274 [email protected]


Ann Warren 804 560 4122 804 327 3172 [email protected]

Jason Ocheltree 804 560 3405 804 327 3172 [email protected]

Sonny Mao 804 560 3339 804 327 3172 [email protected]

ArgoPro Product Overview 0610 · Occurrence form General Liability Defense cost can be either...

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