Liability for Small to Mid-Size Businesses

Nuts & Bolts: E.L.M. Insurance Brokers Inc. has a professional liability suite of products for small to mid-size businesses that includes liability coverage for employment practices, directors and officers, entity (optional) and fiduciary. The preferred classes are business-to-business services, clothing manufacturing, construction, food preparation, machinery and equipment manufacturing, miscellaneous manufacturing, natural resources and utilities, oil and gas industries, other services, paper products and components, personal services, technology (excluding start-ups and dotcoms), transportation manufacturing and wholesale. Excluded classes are alcohol, tobacco, firearms and asbestos-related industries.

Dollars: Not for firms with more than $250 million in assets and/or 1,000 employees. Limits are available to $5 million. Minimum deductibles are $10,000 for employment practices liability, $5,000 for D&O and none for fiduciary.

Carrier: Rated “A+ (XV).”

States Available: All.

Contact: E.L.M. Insurance Brokers Inc, (310) 665-1106