This Individual Liability Policy is designed to cover you as an individual practitioner; it is not intended to cover Employees, Sub-Contractors, Business Partners, or Commercial Offices you may be renting over 200 SQFT.

Please note: your policy will be underwritten based on the information provided, any false information can lead in your policy being rendered null and void.

Your individual policy is designed to fit the needs of an individual practitioner working out of a maximum of 200 SQFT, with no sub-contractors/ employees and gross sales under $100,000. The contents insurance, business interruption insurance and Commercial General Insurance is sufficient for this small business practice. As you have indicated you have exceeded these guidelines, the individual Professional and General Liability policy is not sufficient enough insurance for your business needs.

You can purchase additional insurance for this location. This will give you the following additional coverage’s:

• $25,000 in Contents including but not restricted to Office furniture, equipment, Tenants improvements i.e.: flooring, partitions etc…
• $5,000,000 in Commercial General Liability
• $5,000,000 in Professional Liability
• You can have up to 3 Sub-contractors/ Employees/Practitioners with their own Professional liability policy
• $50,000 Extension Package – Covers items such as glass, outdoor signs, property in transit, contents temporary at unnamed locations(22 items), $500.00 money coverage
• Business Interruption- loss of income due to an insured loss
• Crime insurance- Employee dishonesty, Robbery

The above is a description of the coverage’s only. Please refer to the policy for specific coverage’s and limits.

Your individual policy is designed to fit the needs of an individual practitioner working out of a maximum of 200 SQFT, with no sub-contractors/ employees and gross sales under $100,000. The contents insurance, business interruption insurance and Commercial General Insurance is sufficient for this small business practice. As you have indicated you have exceeded these guidelines, the individual Professional and General Liability policy is not sufficient enough insurance for your business needs.

You can purchase additional insurance for this location. This will give you the following additional coverage’s:

• $100,000 in Contents including but not restricted to Office furniture, equipment, Tenants improvements i.e.: flooring, partitions etc…
• $5,000,000 in Commercial General Liability
• $5,000,000 in Professional Liability
• You can have up to 5 Sub-contractors/ Employees/Practitioners with their own Professional liability policy
• $50,000 Extension Package – Covers items such as glass, outdoor signs, property in transit, contents temporary at unnamed locations(22 items), $500.00 money coverage
• Business Interruption- loss of income due to an insured loss
• Crime insurance- Employee dishonesty, Robbery

The above is a description of the coverage’s only. Please refer to the policy for specific coverage’s and limits.

Your application needs further underwriting. Please click on the button below to have our office contact you.

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NOTICE CONCERNING PERSONAL INFORMATION

I hereby consent to Lackner McLennan Insurance to collect, use and disclose personal information required for the purposes of considering my application for insurance for new or renewal insurance coverage. The Broker is authorized to collect, use and disclose personal information and provide such personal information to third parties, as required, including insurance companies. The Broker may also be required to disclose such personal information pursuant to relevant laws or other laws. I authorize Lackner McLennan Insurance Ltd. to communicate directly with the member association.

WARRANTY STATEMENT

By submitting this application, you attest that the application has been completed accurately and honestly. No disciplinary action has been taken or is pending against you. You have never been the subject of any investigation, either civil or criminal, in connection with any sexual act, conduct, molestation, and/or assault. You understand that your insurance certificate will provide evidence that you have been added as an individual participant with respect to the coverage and limits of the Master Policy. You understand that the coverage provided by your insurance certificate is subject to all the terms, conditions and exclusions contained in the Master Policy. You further understand that the Insurance Company will rely on the information you have provided in the application. You are also able to provide a certificate of training for the modality you practice on your policy upon request. Failure to pay required premiums and/or false statements on this application or subsequent renewals shall void this application and render your insurance coverage null and void, and you may be subject to further legal action if making false statements.