ALTRU’s miscellaneous liability program includes advertising agencies and graphic artists as a target class of business.
Some hightlights of our program:
- Admitted in 21 states, E&S basis in the other states.
- No minimum premium.
- Minimum $1,000 retention for each Wrongful Act
- “Claim” includes both monetary and non-monetary demands
- Coverage for “Personal Injury Offenses”
- Independent Contractors included as “Insureds”
- “Subsidiaries” included as “Insureds”
- Favorable 70/30 Settlement Clause is standard
- $10,000 Disciplinary Proceeding supplementary limit
- Punitive Damages coverage where insurable by law
- Three-year bi-lateral Extended Reporting Period standard
- No discrimination exclusion
- Professional Service definition tailored to each risk
Contact Us today to discuss your ad agency or graphic designers E&O renewals.
ALTRU, LLC is a Managing General Underwriter that specializes in directors & officers (D&O) and organization liability for non-profit organizations, as well as Miscellaneous Professional Liability (MPL) for a wide range of service firms. ALTRU provides underwriting services on behalf of Old Republic Insurance Company, rated A+ (Superior) by A.M. Best, A+ (Stable) by S&P and A2 (Stable) by Moody's. The team at ALTRU builds solid, professional relationships and delivers a superior level of service to their network of retail insurance agents, which sets them apart from other industry wholesalers.