Program Highlights

• Broad definition of Discrimination, Harassment and Inappropriate Employment Conduct
• Prior Acts Coverage usually provided
• Punitive damages (where insurable) and third party coverage available for most risks
• Experienced and responsive claims team comprised of labor attorneys
• 5Star Helpline™ (5Star Helpline is a complimentary specialized loss prevention service which includes live attorney advice, HR alerts, web resources, and more.)

Eligibility

Most classes of business considered, including:

• Hotels
• Motels
• Restaurants
• Service Centers

Program Parameters

• $500,000 to $2mm limits available per franchise owner/operator
• Low Minimum Premiums per franchise unit
• Retentions as low as $5,000

Availability

• Nationwide

Eligibility Requirements

• Applicant has an implemented employee handbook and guidelines
• Applicant provides sexual harassment and discrimination awareness training to its employees/managers

Submission Requirements

• Signed and Dated application
• 5 year loss history, including a supplemental claim form completed for each loss
• Third party coverage supplement questionnaire (if coverage desired)
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