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Available Policy Limits:

• $1,000,000 per claim / $1,000,000 annual aggregate
• $1,000,000 per claim / $2,000,000 annual aggregate
• $2,000,000 per claim / $2,000,000 annual aggregate
• Excess E&O up to $5,000,000*

*Higher limits can be offered via excess liability. Subject to underwriter review and an additional premium

Deductible:

• $2,500 per claim
• $5,000 per claim
• $10,000 per claim
• $15,000 per claim
• $25,000 per claim

Policy Type:

• Claims Made

Policy Coverage:

• Professional Liability (E&O)
• Coverage for Contingent Bodily Injury and Property damages resulting from your professional services

Other Policy Benefits:

• Mold Coverage with limits $1,000,000 per claim / $1,000,000 annual aggregate*
• Pollution Coverage (optional with additional charge)
• Dedicated Claims Attorney: Lloyd's America, Inc.
• AIHA Program Counsel: Wendy Keenan
• Minimum premium start at $1,100
• Broad definition of professional services including the ability to expand the definition per your specific services that are offered
• Worldwide coverage (subject to policy terms and conditions) - claims made anywhere in the world for a Wrongful Act committed or allegedly committed anywhere in the world

* Current clients will receive coverage added automatically at renewal

Part-time Coverage Options Available:

If you provide independent consulting services on a part-time basis, you may qualify for the part-time coverage option.

• Minimum premium available, subject to underwriters review and approval
• $1,000,000 Limit
• $2,500 Deductible

Other Coverage:

• Health Insurance plans available for evaluation via private exchange.

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As an existing client, we are able to offer you Commercial General Liability.

Available Limit Options:

• $1,000,000 per claim / $1,000,000 annual aggregate
• $1,000,000 per claim / $2,000,000 annual aggregate
• $2,000,000 per claim / $2,000,000 annual aggregate
• $2,000,000 per claim / $4,000,000 annual aggregate

Deductible:

• $0.00*

*If you want a deductible, underwriters will look to see if they can offer one.

Policy Type:

• Occurrence

Minimum Premiums Starting At:

• $380 (annual) - $1,000,000 per claim / $1,000,000 annual aggregate
• $460 (annual) - $1,000,000 per claim / $2,000,000 annual aggregate
• $560 (annual) - $2,000,000 per claim / $2,000,000 annual aggregate
• $670 (annual) - $2,000,000 per claim / $4,000,000 annual aggregate

Other Coverage:

• Office Content & Business Property Coverage
  • Limit maximum $40,000
  • $150 in additional premium
• Hired/Non-Owned Auto Liability Coverage
  • Limit maximum $1,000,000
  • $550 flat fee in additional premium

Cybersecurity has become a critical aspect of business operations in the modern digital age. With the ever-increasing frequency and sophistication of cyber threats, every organization must take steps to protect itself against potential liability. To effectively mitigate this risk, businesses need a dedicated and specialized professional who can evaluate and secure the right coverage to protect their interests.

The scope of cyber liability extends beyond merely protecting insured entities and individuals from claims for damages and defense costs stemming from network breaches or wrongful dissemination of private material. It encompasses a valuable "first-party" component, providing coverage for the costs incurred by the insured entity when a breach is discovered.听

The need for cyber liability coverage is particularly acute because businesses handle or are responsible for the collection and storage of sensitive employee and customer data, whether it is kept in-house or subcontracted out to a third party. This exposure is a constant threat that requires careful management and protection.

Cyber Liability Policy Coverage:

• Data Breach and First Party Costs: Covers defined expenses commonly associated with a data breach. This includes costs associated with data breach counsel, computer forensics analysis, privacy regulations compliance, notification and credit monitoring services for affected individuals, and public relations or crisis management services to restore a company鈥檚 reputation.
• Network Security and Privacy Liability: Covers liability of the organization arising out of the failure of network security, including unauthorized access or unauthorized use of corporate systems, a denial of service attack, or transmission of malicious code. Internet media liability Covers infringement of copyright or trademark, invasion of privacy, libel, slander, plagiarism, or negligence arising out of the content on the organization鈥檚 website.
• Cyber/Network Extortion: Covers monies and associated expenses arising out of a criminal extortion threat to release sensitive information or gain unauthorized access to a network.
• Business Interruption: Covers lost income or extra expenses in the event that the network is inaccessible for an extended period of time.
• Digital Asset Restoration Costs: Coverage covers costs incurred to replace, restore, or recollect data and/or network resources lost or destroyed resulting from unauthorized access to the system.
• Regulatory Coverage: Provides coverage for regulatory proceedings brought by a government agency alleging the violation of any state, federal, or foreign identity theft or privacy protection legislation.
• Cyber Terrorism Coverage: Covering financial damages an insured is legally liable for arising from an act that is certified by the Secretary of the Treasury to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act.
• Payment Card Industry Standards Compliance Coverage: Covers damages as well as payment card loss, which the insured is legally obligated to pay resulting from non-compliance with the payment card industry data security standard.
• Social Engineering Fraud: Social engineering fraud, or 鈥渇raudulent inducement,鈥� is an emerging risk gaining widespread attention in the marketplace. This exposure is often addressed under a crime of fidelity policy, however, has potential overlap and implications to cyber risk. This coverage provides for indemnification of the loss of monies and securities caused by a fraudulent inducement to transfer funds to a third party purporting to be a customer or vendor.

Stand-Alone Cyber Liability Insurance:

Alliant is pleased to offer a stand-alone cyber liability policy. We have this option for contracts that require higher limits and broader coverage beyond what we can offer inside the program.

To apply for the Alliant Stand-Alone Cyber Insurance Policy, please follow the instructions below.

Beazley Cyber Application

Alliant Ransomware Questionnaire Application

Alliant Supplemental Underwriting Questions Due To SolarWinds

Directions:

1. Download and Save the PDF Applications Above
2. Complete the Application Entirely
3. Submit the Application to aiha-questions@alliant.com听

Each party should be willing to be responsible for losses and claims to the extent that they are caused by that party鈥檚 negligence. We offer the following as a contractual provision that addresses this issue:

To the fullest extent permitted by law, Client and Consultant each agree to indemnify the other party and the other party鈥檚 officers, directors, partners, employees, and representatives, from and against losses, damages, and judgments arising from claims by third parties, including reasonable attorneys鈥� fees and expenses recoverable under applicable law, but only to the extent they are found to be caused by a negligent act, error, or omission of the indemnifying party or any of the indemnifying party鈥檚 officers, directors, members, partners, agents, employees, or sub consultants in the performance of services under this agreement.

If claims, losses, damages, and judgments are found to be caused by the joint or concurrent negligence of Client and Consultant, they shall be borne by each party in proportion to its negligence.

Industrial hygienists have unique needs in risk mitigation and claims management. The following resources were created by a legal expert with more than 20 years of experience advising AIHA members and provide some useful insights to help you minimize losses and respond to a claim.