Swiss Re/Westport Coverage Benefits

• Coverage for the sale of both Property/Casualty and Life and Health insurance products
• Limits of liability up to $20 million
• Broad definition of covered professional services and activities
• Comprehensive definition of who is an insured
• Aggregate deductibles
• Defense cost outside the limits
• Available first dollar defense
• Full prior acts available
• No contractual liability exclusion
• Coverage for punitive damages (where available by state)
• Multiple extended reporting period options
• True worldwide protection
• Coverage for advertising, libel and slander
• Catastrophe Expense $25,000 per policy period
• Subpoena Coverage $10,000 per policy period
• 1st Party Personal Data Breach (cyber) $25,000 per policy period
• 3rd Party Personal Data Breach (cyber) $1,000,000 sublimit
• Deductible reduction up to $12,500 per claim for risk management activities
• 10% Premium credit for two years for attending an approved loss control seminar

Allianz Coverage Benefits

• Rated A+ by A.M. Best
• State of the art coverage form, exclusive to Big "I" members
  
• Claims made coverage with full prior acts
  
• Coverage for sale of both Property/Casualty and Life/Health insurance products
  
• Insolvency coverage for all carriers with B+ or better A.M. Best rating
  
• Limits of Liability up to $10 million
  
• Broad coverage tailored to insurance agencies
  
• Broad definition of who is an insured, including spousal liability
  
• Aggregate deductibles
  
• Defense costs outside the limits
• 80/20 Consent to settle clause