Multi-Peril Coverages - Series A

Professional Liability Coverages

• Counseling Professional Liability
• Directors, Officers and Trustees Liability
• Employment Practices Liability
• Employee Benefits Liability
• Incidental Medical Services Liability

Counseling Professional Liability

Inexpensive protection for your camp or conference center, clergy, employees, and volunteers who counsel under your direction and control and within the scope of their duties.

Directors, Officers and Trustees Liability (DO&T)

This errors and omissions policy protects your directors, officers, and trustees against lawsuits alleging matters such as: conflict of interest, failure to exercise good judgment, improper (but not dishonest) expenditures, exceeding authority granted by charter, and failure to honor an employment contract. Spouses also are covered if named in a covered lawsuit. Your camp or conference center also is covered if it is required to indemnify such individuals involved in the lawsuit.

Payment of court judgments and legal costs are provided if the claim is made while the policy is in force and if you had no prior knowledge of the wrongful act.

Employment Practices Liability (EPL)

Employment Practices Liability insurance provides claims-made coverage in three major areas relating to employees:

• Discrimination
• Wrongful termination
• Sexual harassment

The policy protects your camp or conference center, which is the named insured, and also your past, present, and future directors, officers, trustees, clergy, and employees for claims made by employees and prospective employees.

Employee Benefits Liability (EBL)

Employee Benefits Liability provides claims-made coverage for acts or omissions arising out of the administration of your employee benefits program.

For example, your failure to enroll an employee in your life insurance, health insurance, disability insurance, or pension plan is a covered omission.

Incidental Medical Services Liability

Church Mutual’s Incidental Medical Services Liability coverage protects your camp or conference center and your nurse.