| |
Willis of Massachusetts |
| Property
Coverage |
Mitsui
Marine & Fire |
| |
Best's
Financial Rating: A+
(Excellent) XV |
| Coverage |
Limits
of Liability |
| Real & Personal Property |
$100,000,000
Per Occurrence |
| Building
Coverage |
Includes
Stained Glass Windows and Organs |
| Fine
Arts |
$100,000,000
Per Occurrence |
| Deductible |
$1,000 Per
Occurrence, $1,000 Per Location for "Named Storm" Hurricane |
| "All Risk" |
Comprehensive
Manuscript |
| Replacement Cost |
Included |
| Agreed Value Endorsement |
Included |
| Equipment
Breakdown (Boiler & Machinery) |
$100,000,000
Per Occurrence |
| Windstorm
and Hail (including Hurricane) |
$100,000,000
Per Occurrence |
| Loss of Earnings including Extra Expense |
$5,000,000 |
| Ordinance
or Law, including Demolition & Increased Cost of Construction |
$10,000,000 |
| Off Premises Power/Service Interruption subject to the line
causing the power interruption has to be within 1000 feet of the premises
that has the loss |
$5,000,000
Property Damage/Time Element subject to a Twenty Four Hour Waiting Period |
| Property In Transit |
$500,000 |
| Valuable Papers & Records |
$100,000,000
Per Occurrence |
| Errors & Omissions |
$1,000,000 |
| Debris Removal |
$100,000,000
Per Occurrence |
| Trees, Plants, Shrubs |
$25,000
(All Risk Perils) - per item/per loss |
| Builders Risk/Property under construction, structural renovation,
repair or installation |
$1,000,000
- "All Risk" Perils including renovation - higher limits
available upon request |
| Clergy
Personal Effects |
$25,000 |
| Personal
Effects Non-Clergy |
$25,000 |
| Earth Movement |
$25,000,000
Annual Aggregate - $25,000 Deductible |
| Flood |
$25,000,000
Annual Aggregate - $25,000 Deductible |
| 100 Year Flood Zone
Locations Only |
Deductible
is equal to the National Flood Insurance Program Limit Available |
| Accounts Receivable |
$5,000,000 |
| Collapse |
$100,000,000
- " All
Risk" Perils |
| Property Temporarily
Off Premises |
$5,000,000 |
| Newly Acquired Locations |
$5,000,000
including Flood & Earthquake |
| Property in the
Open - Signs,statuary |
$100,000,000
Per Occurrence |
| |
Limits
are per occurrence unless otherwise specified |
|
|
| Liability
Coverage |
Mitsui
Marine & Fire |
| |
Best's Financial Rating:
A+(Excellent) XV |
| Coverage |
Limits
of Liability |
| General Aggregate |
$2,000,000
per location |
| Each Occurrence |
$1,000,000
per location |
| Products/Completed Operations |
$2,000,000
Aggregate |
| Personal & Advertising Injury |
$1,000,000 |
| Fire Damage |
$1,000,000 any one fire |
| Medical Expense |
$5,000 Any
One person |
| |
$5,000 each
occurrence |
| Pastoral Counseling |
$1,000,000
each occurrence/$2,000,000 aggregate
per location |
| Sexual Misconduct |
$1,000,000
each occurrence /1,000,000 policy aggregate - automatically
included |
| Sexual Misconduct - Entity Coverage |
Included |
| Cemetery Liability |
$1,000,000
each occurrence/ $2,000,000 aggregate
per location |
| Employee Benefits Liability |
$1,000,000
each occurrence/ $2,000,000 aggregate |
| Church
Operated Daycare Centers, Nursery Schools, Camps, Conference Centers |
Included |
| Blanket
Contractual |
$1,000,000 |
| Host Liquor Liability |
$1,000,000 |
| Incidental Medical Malpractice |
$1,000,000 |
| Volunteers are Insureds |
Included |
| Punitive Damages Exclusion |
Sexual
Misconduct only |
| Blanket
Additional Insureds |
Included |
| Teachers Liability - Bodily Injury |
$1,000,000 |
| Automatic Coverage for Newly Acquired Entitles or Properties |
Included |
|
|
| Foreign
Liability |
AIG |
| |
Best's
Financial Rating: A++(Excellent)
XV |
| |
Limit of Liability |
| Policy General Aggregate |
$2,000,000 |
| Volunteers are Insureds |
Included |
| Foreign General Liability |
|
| General Aggregate |
$1,000,000 |
| Each Occurrence |
$1,000,000 |
| Products/Completed Operations |
$1,000,000 |
| Personal & Advertising Injury |
$1,000,000 |
| Fire Damage |
$50,000 |
| Medical Expense |
$10,000 |
| Foreign Automobile Liability |
|
| Bodily Injury and Property Damage - Each Occurrence |
$1,000,000 |
| Medical Expense - Per Person/Per Accident |
$5,000/$10,000 |
| Non-owned
and Hired Automobiles |
Included |
| Foreign
Voluntary Workers' Compensation |
|
| Workers Compensation |
Statuatory
- State of Hire |
| Employers Liabiilty |
$1,000,000 |
| Repatriation Expense |
$10,000 |
| |
|
| Crime Coverage |
Great American Insurance
Company |
| |
Best's
Financial Rating: A(Excellent)
XII |
| |
Limit of Liability |
| Employee Dishonesty |
$3,000,000 per
occurrence - automatically included |
| Money & Securities/ Theft, Disappearance & Destruction: |
$3,000,000 per
occurrence - automatically included |
| Forgery,
Fraud & Alteration |
$3,000,000 per
occurrence - automatically included |
| Computer
Fraud |
$3,000,000 per
occurrence - automatically included |
| Deductible |
|
| -
Employee Dishonesty |
$5,000 |
| - Theft,
Disappearance & Destruction |
$250 |
| -
Money & Securities |
$250 |
|
|
| Non-owned
& Hired Automobile Liability |
Mitsui Marine
and Fire |
| |
Best's
Financial Rating: A+(Excellent)
XV |
| |
Limit of Liability |
| |
$1,000,000 per
occurrence |
| |
Automatically
Included |
|
|
| Primary
Umbrella |
Markel
Group(Essex) - Best's
Financial Rating: A |
| |
ACE(Westchester)
- Best's
Financial Rating: A |
| |
Zurich - Bests's
Financial Rating: A |
| |
Limit of Liability |
| Program
Aggregate Excluding Sexual
Misconduct |
$50,000,000 Each Occurrence/Annual Aggregate
$5,000,000 Each Claim/Annual Aggregate for
Sexual Misconduct Liability |
| Sexual
Misconduct Liability |
Claims Made Coverage - 12/31/02 Retro Date |
| |
$50,000,000
Limit is excess of primary General Liability, Automobile Liability,
Employers Liability and Foreign Liability Policies - $5,000,000 Limit is
excess of Sexual Misconduct
Liability Only) |
|
|
| Directors
& Officers |
Great American
Insurance Company |
| Liability
incl. Employment Practices |
Best's
Financial Rating: A XII |
| |
Zurich American Insurance
Company |
| |
Best's Financial Rating:
A |
| |
Automatically
Included |
| Limit of
Liability: |
$20,000,000 Each
Claim and Annual Aggregate |
| Deductible |
$35,000 Each Claim |
| Full Prior Acts Coverage |
included |
| Prior and Pending Litigation |
Excluded |
| Third
Party Employment Practices Liability |
$1,000,000 |
| Entity
Coverage |
Included |
| Automatic
Outside Directorship Coverage |
Not for Profit
Only |
| Spousal Coverage |
Included |
| Volunteer
Coverage |
Included |
| No E&O Exclusion for pastoral duties or educators legal
liability |
Included |
| Duty
to Defend with an option to select counsel |
Included |
| Punitive Damages Exclusion |
None |
| Claims Made Coverage |
None |
|
|
| Workers Compensation & Employers Liability |
AIG |
| |
Best's
Financial Rating: A++ XV |
| |
Limit
of Liability |
| Workers Compensation |
Statuatory |
| Employers Liability |
|
| Bodily Injury by Accident |
$1,000,000
Each Accident |
| Bodily Injury by Disease |
$1,0000,000
Each Employee/$1,000,000 Policy Limit |
