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New Additional Coverage

New! - Forgery & Alteration (up to $10,000)
New! - Identity Theft Expense (up to $10,000)
New! - Workplace Violence Counseling (up to $25,000)
New! - Key Employee (up to $50,000 Limit)
New! - Kidnap & Ransom (up to $50,000)
New! - Coverage Extended to include Foundations and Retaining Walls

Property

- Employee Theft
- Equipment Breakdown
- Custom Enhancements Available
Upgrade! - Business Income Limit Increased to $300,000 (some coastal restrictions)
Upgrade! - Ordinance or Law Limits Increased
Upgrade! - Monies & Securities Increased to $35,000
Upgrade! - Spoilage Increased to $35,000
Upgrade! - Automatic Extended Business Income for 120 days
Upgrade! - Pollutant Clean-Up Limits Raised to $50,000
Upgrade! - Back-Up of Sewer and Drains Increased to $25,000
Upgrade! - Computer Hardware & Software Increased to $50,000
Upgrade! - Business Income Utility Service Increased to $50,000
Upgrade! - Valuable Papers/Record Increased to $50,000
Upgrade! - Emergency Vacating Expense Increased to $25,000 per occurrence

General Liability

- GL Coverage Up to $1,000,000/$3,000,000 on occurrence basis
Upgrade! - Automatic Aggregate Per Location
Upgrade! - Automatic Coverage for EPLI Including Defense with Limits up to $25,000
Upgrade! - Legal and Media Expense Reimbursement with Limits up to $10,000
Upgrade! - Improved Automatic Additional Insured Status

Professional Liability

Written on Occurrence basis with limits up to $1,000,000/$3,000,000

Sexual/Physical Abuse Vicarious Liability

Written on Occurrence basis with limits up to $1,000,000/$3,000,000

Abuse Coverage with Defense Outside the Limits

Auto Liability

- Auto Liability Coverage Up to $1,000,000
Upgrade! - Automatic Liability Coverage for Lessors of Leased Autos
Upgrade! - Fellow Employee Coverage from Covered Autos (Liability)
Upgrade! - Rental Reimbursement ($50/day, maximum of 30 days)
Upgrade! - No Deductible for Glass Repair

Student Accident Coverage

Available

Submission Requirements
Acords (Applicant Information section and each line of business)
THOMCO Social Service Application
4 year Hard Copy loss runs
Copy of license for each location
Copy of state inspections
Current brochure

Contact an Underwriter for Your State

Download Marketing Materials
Head Start Program Brochure

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