Affinity Club Links Program:

Additional Coverage Available

Workers’ Compensation

• Coverage varies by state

Directors and Officers & Employment Practices Liability

• Limits of Liability as High as $25 Million, with Retentions as Low as $0
• Expanded Definitions of Claims, Insured Persons, Loss & Subsidiaries
• Coverage for Retired Directors
• Environmental Mismanagement Coverage
• Includes Full Prior Acts
• Duty to Defend
• 3rd Party Liability
• 80/20 Hammer Clause
• Additional defense costs outside the limit of liability
• FLSA Defense costs available

Select Plus Endorsement

• Terrorism Event Expenses - travel reimbursement and temporary meeting space fees
• Public Relations Expenses - workplace violence; solvency; sexual misconduct; tax status
• Identity Theft Event Expenses - forensic evaluation and indemnification from service providers

Fiduciary Liability

• $1,000,000 Limit

Crime

• Limits up to $1,000,000 available
• Coverage includes:
• Employee Dishonesty - including broadened definition of employee
• Computer Fraud
• Forgery and Alteration
• Funds Transfer
• Money and Securities
• Electronic Data/Computer Programs Restoration Costs - virus or vandalism
• ERISA bonding included

Storage Tank Liability

• Includes coverage for all above ground and underground storage tanks
• 3rd Party Liability included
• 1st Party Clean-Up Costs included
• Written on a Claims Made basis

Environmental Impairment & Cleanup

Day Camps and Day Care

• $1,000,000 Sexual Abuse and Molestation

Skeet and Trap Facilities

Homeowners Associations

Disability Insurance

Accident & Health

• $5,000 Accidental Death
• $5,000 Accidental Dismemberment
• $50,000 Accident Medical Expense (Excess) Benefits - no deductible
• Coverage applies while the Members and Guests are participating in activities while on the premises of the policyholder, traveling directly to and from the club and while traveling on behalf of the policyholder

Group Benefits & 401[k] Plans