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Non Profit Products

Directors & Officers Liability and Employment Practices Liability with Package Options

We offer a variety of specialty products designed for nonprofit risks.

Please email Kathy Coughlin for a quote!

Worker Comp Eflyer!

Need a quick, same day turnaround quote? Continental’s got you covered to make sure your client’s are properly protecting their company and employees for when accidents happen.

Contact  Brendan Mullally for a Workers Comp quote today!

Why Employers Need an EPLI Policy

epl
Did you know that…

  • Seventy-five percent of all litigation against companies today involves employment disputes?
  • The legal landscape is becoming increasingly more onerous for employers regarding their relationship with their employees?
  • Almost 100,000 charges were filed with the Equal Employment Opportunity Commission last year?
  • As the economy continues to falter, high unemployment, layoffs and salary freezes continue to be triggers for lawsuits from disgruntled employees and ex-employees?

Every employer needs a comprehensive Employment Practices Liability (EPL) policy in their risk management portfolio to protect their business from unanticipated claims of discrimination, harassment, wrongful termination, failure to pay overtime, retaliation and other common allegations.

We offer broad EPL coverage and risk management services:

  • Fair Labor Standards Act (FLSA) – $100,000 sublimit for defense and indemnity
  • Defense outside the limit of liability (must purchase $500,000 limit or higher and have under 200 employees)
  • Retentions as low as $1,000 (varies by state, city and class)
  • Third-party discrimination and harassment option available for most classes

For a quote, please submit an EPL Application to Angela Guerrera.

NEW! Remodelers Program!

CA of New England would like to introduce our new remodelers program. We can cover:

  • Over 25 eligible Artisan classes
  • Non-structural remodeling work
  • Additions, Alterations, Reconstruction
  • Residential, Office, Retail, Restaurants, Warehouses
  • A+ Rated Carrier

For a quote, please complete and email the Remodelers Application to Denise Borrelli.

Employment Practices Liability Product

THIS POLICY INCLUDES:

  • Fair Labor Standards Act (FLSA) – $100,000 sub-limit for defense costs and loss (available in most jurisdictions)
  • Defense and Settlement Provision (Hammer Clause) softened to cover 75% of defense costs and loss after insured’s final refusal to consent to settle a claim
  • Defense Outside the Limit up to 200 employees if a $500,000 limit or higher is chosen
  • Full Prior Acts coverage for claim-free accounts for most classes
  • Punitive Damages with most favorable venue wording
    included in the definition of Loss (available in most jurisdictions)
  • Front and Back Pay included in the definition of Loss
  • “For” wording applies to Bodily Injury/ Property Damage
    exclusion
  • Wrongful Act definition expanded to included coverage for the
    negligent violation of the Uniformed Services Employment & Reemployment Rights Act (USERRA)
  • Independent Contractors are included in the definition of
    Employee
  • Full Severability
  • Spousal Liability extended to Domestic Partners
  • Final Adjudication wording for fraud exclusion
  • Defense costs coverage for breach of express employment
    contract
  • Retaliation carve backs for many exclusions
  • Defense costs coverage for claims involving the modification
    of real property

ADDITIONAL ADVANTAGES:

  • A.M. Best rated A++ carrier
  • 3 Year policy available for most classes
  • Optional Third Party Discrimination and Harassment
    coverage available for most classes
  • Extended Reporting Periods of 1, 2, and 3 years available for 50%, 100% and 150% of the annual premium
  • Free human resources consultation HELPLINE service with
    unlimited calls and no time limits plus an online HR Resource
    Center
  • Competitive pricing
  • Timely responses to all inquiries and submissions
  • Efficient and fair payment of claim
  • Technical competence

For more information or for a quote, please contact Angela Guerrera.

Special Events

We have the ability to provide fast quote turnaround for your Special Events. Eligible classes can be covered for General Liability, Liquor Liability or both!

PRODUCT FEATURES:

  • General Liability Coverage and/or Commercial Liquor Liability coverage available for events with up to 10,000 attendees per day on most risks
  • The Host™ – Host Liquor Liability available for one-day events with 500 or less attendees
  • Separate limits for General Liability and Host Liquor Liability
  • Automatic coverage for volunteers, temporary or leased workers, and committee members
  • Food and beverage Product Liability included in the General Aggregate
  • Medical Payments coverage
  • Coverage for damage to rented premises
  • Property owner can be included as Additional Insured at no charge

GREAT COVERAGE FOR:

  • Beer Gardens/Beer Tents, Concerts/Musical Performances, Festivals, Parties, Sporting Events, Motor Vehicle Events, Car Shows, Conventions/Trade Shows/Exhibits, Fund Raisers, Parades, Picnics, Weddings/Receptions and many other miscellaneous events

LIMITS OF LIABILITY:

  • Limits of $1,000,000/$2,000,000 available

ADDITIONAL ADVANTAGES:

  • Low minimum premium
  • A.M. Best rated A++ carrier

For more information regarding Special Events or for a quote, please contact Denise Borrelli.