- Program Highlights
- Monthly Pay with no finance charges (Included on ARM's Monthly Report).
- Minimum Premium $2,500 annual.
- Limits Available: $500,000/$500,000 and $1,000,000/$1,000,000 and $2,000,000/$2,000,000.
- Deductibles from $2,500 except California, from $5,000.
- Unique "All Risk" coverage for violation of any state, federal or local civil rights or anti-discrimination law including USERRA, FMLA, ADA, and ADEA.
- Covers all Common Law Tort violations in the course of employment.
- "Wrongful Termination" includes constructive discharge.
- Punitive damages covered (where allowed by law) automatically, for no additional premium.
- Includes 3rd Party Liability, subject to completion and review of supplemental application.
- Defense Costs outside the limits can be added subject to Company approval and additional premium.
- Worldwide coverage.
- Vicarious liability coverage for intentional acts.
- Coverage available for all employee types (i.e. Independent Contractors, Temporary Employees, Leased Employees, Volunteers, full-time, Part-time, Seasonal, etc.).
- Admitted coverage in most States.
- Write classes of business except governmental entities and adult entertainment facilities.
- Insurance Company Rated A by A.M. Best.
Comprehensive Loss Control program including, employment manuals and Web based training program for supervisor and employees endorsed by the Practicing Law Institute and utilized by fortune 50 companies including American Express. Superior claims handling and management, including more than 20 years of experience handling employment claims.
Other Plans available for large dealer groups and for those clients interested in higher deductibles or for operations requiring higher limits. Contact our office at (800) 224-6363 for information.
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