Organization Development Network

Professional Liability Insurance

Package Endorsed by the OD Network
Carrier: United States Liability Insurance Group
A Berkshire Hathaway Company

The Organization Development Network is pleased to endorse a Professional Liability Package created for OD Network members. This newly offered insurance program allows members to obtain all needed insurance coverage with one carrier, the United States Liability Insurance Group, a Berkshire Hathaway Company. You will deal with USLI's agent, MPPI, Inc.

Comprehensive coverage with the security of an A++ carrier includes:

Professional Liability Insurance Coverage (Errors & Omissions)
Business Owners Coverage
Employment Practices Liability Coverage

Information:

Sample Claim Scenarios
About our Carrier
Application Process

Not a member? Check membership benefits and join today

For additional information contact Adrienne Steinway at asteinway@mppi.com or call (732) 7396800 x 222 or (212) 8328100 x 222

Product Offerings

Professional Liability Insurance Coverage

Professional Liability Insurance Coverage, also known as Errors & Omissions, is an important safeguard. It protects consultants against litigation involving professional negligence and charges of failing to perform professional duties. It is important that insurance covers both employees and firm’s principal(s).

The product offering is unique in the marketplace. It is the only one offered on a duty to defend basis within defense outside the limit. The plan offers:

• a broad definition of professional services
• duty to defend wording
• 60-day extension of coverage to report claims.

Coverage is available to individuals and firms for defense and settlement of incidents/suits arising from your professional activities.

Download the forms (Specified Professional Professional Liability and Consultants Supplemental applications) you need to apply for this coverage (PDF).

Business Owners Coverage

It is not uncommon for small businesses to buy this type of insurance. Business Owners Insurance covers major property and liability exposures as well as loss of income if a business is unable to operate for a period of time. Your business is protected for suits for bodily injury and property damage arising out of the operation of your business.

Features included under this policy include:

• Building Insurance (special form, replacement costs)
• General Liability $1,000,000
• Exclusion of Bodily Injury Claims arising out of performance of professional duties
• Endorsements to cover landlords
• Business Interruption/Lost Income/Extra Expenses
• Business Personal Property & Equipment Insurance

NOTE: You must purchase Professional Liability Insurance (E & O) to purchase this product. Coverage is added to the Professional Liability policy.

Complete Sections VI, VII, and VIII of the Professional Liability Insurance Application if you wish to purchase Business Owners Coverage

Employment Practices Liability Coverage

The need for this type of insurance has grown over the years. The most common types of employer related lawsuits are for wrongful termination and sex, race, age and pregnancy related discrimination. The number of employment related claims continue to increase. Women and men on the local and state levels are filing a growing number of sexual discrimination cases.

Additionally, the enactment of the American with Disabilities Act and the Family Leave Act has created new ground for employers to be sued.

Features under this policy include:

• No exclusion for downsizing or layoffs
• No exclusion for libel, slander, defamation, emotional distress or mental anguish
• Coverage for the entity and all employees
• Coverage for claims made by temporary employees.

Insureds also have access to a toll free hotline for free consultations on a wide range of personnel issues such as:

• Wage and hours matters
• Human Rights
• Sexual harassment, Discrimination and Termination/Suspension
• Personnel Policies & Practices
• Corrective Discipline & warnings, and

toll free consultation on regulations affecting your business including:

• The Family Medical Leave Act
• COBRA
• Americans with Disabilities Act
• Fair Labor Standards Act
• Workers Compensation

NOTE: If purchased, this is a separate policy.

Download the Employment Practices Liability application form (PDF).

About Our Carrier

United States Insurance Group is a specialty insurance company that underwrites commercial, profession and personal lines of insurance. The Group markets their products exclusively through insurance agents strategically located throughout the United States.

United States Insurance Group consists of three insurance companies: United States Liability Insurance Company, Mount Vernon Fire Insurance Company and US Underwriters Insurance Company. All three companies are rated A++ the highest rating available to any insurance company by A.M. Best, the premier analyst of insurance companies. Together they provide the ability to provide a range of policies throughout the United States and the District of Columbia.

The Group works through professional agents who are their one distribution source and customer. In the case of the OD Network, MPPI is that agent. This strategic alliance allows for more efficient customer service.

Application Process

1. Download forms
2. Print the applicable applications
3. Complete fully and sign where required on both applications
4. Attach supporting documentation as outlined
5. Send completed applications to:

Adrienne Steinway
MPPI Inc.
648 Holmdel Road
Hazlet, NJ 07730
Via Fax: (732) 739-0507
Via Email: asteinway@mppi.com (signatures required)

After your application is received:

• All applications will be reviewed by the company’s underwriters.
• Quotes will be provided on a timely basis via email.

Coverage is underwritten on an individual basis and some members may not qualify. You must be an OD Network member to access the program.

Additional Information

For additional information contact Adrienne Steinway at asteinway@mppi.com or call (732) 739-6800 x 222 or (212) 832-8100 x 222