Employment Practices Liability Product

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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

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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.

Workers Comp Markets!

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If you are having trouble finding workers compensation coverage for hard to place classes then look no further. Continental Agency of CT, Inc. has an array of markets we work with. We have direct quoting authorization in our office with Berkley Net and AmTrust!

CA of New England

Here’s a list of a few of our other Workers Comp markets:

  • Chartis
  • Public Service Mutual
  • Guard
  • The Hartford
  • Tower Insurance
  • QBE (Praetorian)
  • Seabrite Insurance and many more

Our volume size with these carriers gives us some flexibility with rates and difficult classes that other brokers do not have access to.

Continental can write coverage with mods as high as 1.75!
Our minimum premium is as low as $500 and our maximum premium is $1 million.
New ventures and no prior coverage are not a problem.
Our carriers even offer direct billing.

Some of the classes we have recently written are:

  • Roofers
  • Health Care
  • Fuel Oil
  • Contractors
  • Restaurants
  • Iron & Steel and more

For more information or to get a quote, please contact Brendan Mullally.

Adult Daycare

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Continental Agency of CT, Inc. offers Comprehensive General Liability, Professional Liability and Property coverage for Adult Daycares. Coverages include:

  • Directors and Officers Liability now available
  • Coverage available for Medical or Social Adult Daycares
  • Volunteers included as Insureds
  • Employees as Insureds by endorsement
  • Property Enhancement form available

PRODUCT HIGHLIGHTS
General Liability

  • GL limits available up to $2,000,000 each occurrence/$2,000,000 aggregate
  • Sexual Molestation limits up to $3,000,000/$3,000,000
  • Defense is OUTSIDE the limits
  • Damage to Premises Rented to You up to $100,000
  • Medical Payments up to $5,000
  • Occurrence-based coverage
  • Additional Insured available
  • Employee Benefits Liability

Property

  • Commercial Property is available for Buildings, Business Personal Property & Loss of Earnings
  • Property Extension/Enhancement endorsement includes personal effects and property of others, valuable papers, property off premises, signs, sewer and drain backup, etc.
  • Property Floaters available to cover Equipment and Tools

For more information regarding Adult Daycares or for a quote, please contact Denise Borrelli.

Emergency Care Services

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Continental Agency of CT offers Comprehensive General & Professional Liability, Property and Inland Marine coverages for Emergency Care Services. These coverages include:

  • Ambulance Services
  • First Aid and Rescue Squads
  • Paramedics and First Responders
  • EMT’s
  • Non-Emergency Transportation Services

PRODUCT HIGHLIGHTS:
Professional & General Liability

  • GL limits available up to $1,000,000 each occurrence/$3,000,000 aggregate
  • Defense is OUTSIDE the limits
  • Occurrence-based coverage
  • Emergency Medical Technician additional insured and off-duty coverage
  • Loading and Unloading of patients coverage
  • No Sexual Molestation exclusion
  • Pays defense costs, first-aid expenses and medical payments

Property

  • Commerical Property is available for Building, Business Personal Property & Loss of Earnings
  • Property Extension/Enhancement endorsement includes personal effects and property of others, valuable papers, property off premises, signs, sewer and drain backup, etc.
  • Property Floaters available to cover Equipment and Tools

Please email the ‘Emergency Care Services Application’ to Denise Borrelli for a quote or contact her for more information.

Welcome to CA of New England!

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New Look! New Name! Same Great Service

In celebrating our 35th anniversary the staff of Continental Agency would like to welcome you to our new website.

In 1976 Walter Prast had a vision of opening an Excess & Surplus Lines office in the state of Connecticut to provide the service, products and programs you have become accustomed to these last 35 years.  In that time we have expanded to the other New England states by first opening CESI of New England and then Continental Agency of RI.

In that time we have transformed the agency into a full regional Excess & Surplus Lines Insurance Brokerage servicing all of the New England states and over 750 agencies within the New England region.

With our expended markets, on-line quoting and experienced Underwriters — each of whom have a minimum twenty years of experience in the field — we strive to offer top notch quality service to all our agents.

We look forward not only to continuing the level of service you have grown accustomed to, but also of finding new ways to meet your expectations.

Browse our new site to find applications, forms and online quotes.

Contact us with any questions or comments.