All Modules:
Worldwide cover.
Advancement of defence costs
Emergency costs
Employment practices liability for individuals
Cover for investigations and pre-investigations for individuals
Civil fines and penalties where insurable for individuals
Asset and liberty costs for individuals
Public Relations expenses (sub-limited)
Auto-cover for all new subsidiaries (unless listed or US-based)
Bodily injury and property damage defence costs (sublimited for the entity)
Extradition costs for individuals
Unlimited Free legal advice helpline (in the UK) (England and Wales only for PTL)
Whistleblowing hotline
DIRECTORS AND OFFICERS:
Reinstate limit for policyholder directors (sublimited)
Lifetime discovery period for all retired directors
CORPORATE LIABILITY
Legal costs for alleged pollution, breach of contract, liability for employee theft, identity fraud (sublimited)
ENTITY EMPLOYMENT PRACTICES LIABILITY:
Broad “all risk” approach
Employee includes part-time, seasonal, and temporary workers, contractors when indemnified by the company
Claims by third parties for harassment and discrimination
Retention waiver available
Employment and Health and Safety website
PENSION TRUSTEES LIABILITY:
12 year discovery period for retired trustees
Company cover for lost or stolen plan documents
Covers monetary awards by the Pensions Regulator and Pension Ombudsman
Reimbursement of a payment made by a plan pursuant to a trustee exoneration clause
Legal advice helpline (England and Wales law only)
CRIME
Dishonest acts by employees and third parties occurring prior to and during the policy period and losses first discovered during the policy period
Worldwide cover
Legal fees and reconstitution costs.
Costs of a Fraud Investigator to investigate losses (sublimited)
Auto-cover for any newly created or acquired private subsidiaries (unless listed or US-based)