In This Issue:

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New Big “I” Insurance Program

Targeting Growth in Commercial Markets

Documentary on National TV This Month

Superior Protection for Wealthy Clients

Local News Briefs

Contacts

October 2006

Agent Online Services

For complete agency information and online resources, visit our Web site for agents and producers. Use your eight-digit producer code for your password.
 

Sales Materials
for Customers

Prestige Excess

Employee Practices Liability

Homeowners
 

Sales Tools
for Agents

Prestige Excess

Employee Practices Liability (pdf)

Deep Pockets Flyer (pdf)
 

Superior Protection for Wealthy Clients

Now more than ever, your clients need broad liability protection that meets their specific needs. Our Prestige Excess^SM policy offers a superior package of coverages for affluent and high net worth clients. With Prestige Excess, you'll know you've provided your clients peace of mind.

In addition to offering extremely broad coverage and excess limits to $100 million, we have researched the needs of high net worth individuals, in order to develop coverages that meet their specific needs.

		Other Key Excess Coverages Fireman's Fund ExcessSM limits are available to $100 million. Other endorsements include: Non-Profit Directors & Officers — Up to $10 million Private Counsel — Up to $250,000 for clients to consult with their own attorney Crisis Management — Up to $250,000 for minimizing damages to insured's reputation

Here are three of our optional endorsements.

Uninsured/Underinsured Motorist

Fifteen percent of all drivers are uninsured, and many more don't carry enough insurance to cover the substantial liability of a serious accident with your wealthy customers. With our Uninsured/Underinsured Motorist endorsement, your high net worth clients can protect themselves and their families with insurance that matches their own limits and lifestyle, not those of another driver. We offer limits up to $10 million, which covers bodily injury costs that clients are entitled to receive from a driver who is unable to pay.

Employment Practices Liability

High net worth individuals usually employ household staff, and in today's litigious society, disgruntled employees can create big legal headaches.

Our Employment Practices Liability endorsement covers a larger staff — up to 10 people — with higher limits — up to $5 million. No other carrier matches this coverage.

Family Trust Management Practices

Many of your high net worth clients have family trusts, and if they have trustee responsibilities, they can be vulnerable to lawsuits. Our Family Trust Management Practices endorsement is unique in the industry. It offers limits up to $10 million and covers errors and omissions, mismanagement of funds, property damage, and bodily or personal injury.

For more information on all the features of Prestige Excess, see Agent Online Services or talk to your Fireman's Fund representative.