Unique Liability coverage with All policies written with unlimited per occurrence limits and “occurrence” policies which means broader Educators Legal/E&O coverage. Full prior acts covering all past incidents, even if before CIC coverage- very important for Sexual Molestation claims alleged by victim up to age 35.
Pre-Claim Liability Loss Control report “inklings” of possible claims before an actual claim. CIC assigns an attorney to investigate that helps to navigate the “minefield”. 85% of incidents are resolved without litigation. Keep attorney if incident develops into claim. Pay deductible only with loss or settlement of claim.
Workers’ Compensation dividends that are Competitive, yet sustainable.
Workers Compensation Experience Mod reviewed annually to reduce Workers’ Compensation premium by reducing Mod.
Workers’ Compensation claims reporting triage service to reduce staff time and lower medical costs. Getting your staff back to work quicker helps to keep modifications lower and save money.
Our Members have lower overall average mod rates. Which saves members money!!
No-Cost Cyber Liability $1 million aggregate Cyber Liability policy that goes beyond Data Breach to include: Ransomware, Telecommunications Fraud, Crypto jacking and Social Engineering. Includes Cyber Liability Security Suite.
Vendor Partnerships with vendors who provide preferred pricing and service advantages.
Property Insurance with broad coverage including flood at a competitive premium.
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