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Professional PackageSM (Pro-PacSM) Overview:

Professional PackageSM (Pro-PacSM) is a package policy, which includes
general environmental and optional professional liability coverage, for environmental
consultants, contractors and engineers. Pro-PacSM provides coverage for bodily
injury, property damage or personal injury claims resulting from an insured's premises,
operations and professional services, and products or completed operations.
Pro-PacSM includes coverage for claims that are a result of a pollution release arising
from an insured's contracting operations or professional services. The Commercial
General Liability Coverage Part, which incorporates contractors pollution coverage,
is written on an occurrence basis (claims-made coverage is also available).
The professional liability coverage is claims made.

Customer profile:

Environmental Contractors, Consultants, Engineers
Environmental Lab Testing/Analysis Facilities

Benefits:

Pro-PacSM eliminates multiple minimum premium payments that would exist
if separate policies were purchased, providing a cost savings for the insured.
Pro-PacSM reduces potential gaps that may surface when separate coverages
are purchased from different insurers. Pro-PacSM offers occurrence-based
coverage for general and contractors pollution liability that is not available
generally in the marketplace (claims-made is also available). Pro-PacSM
provides smaller firms an affordable alternative when purchasing environmental
insurance. Pro-PacSM offers professional liability coverage which is excluded
from most standard commercial general liability policies, including coverage for
liability arising out of pollution conditions caused by an error or omission.
ProPacSM is written on a flat-rate basis giving insureds a fixed yearly cost
for this insurance.

Features:

COMMERCIAL GENERAL LIABILITY AND CONTRACTORS POLLUTION
OCCURRENCE COVERAGE PART:

Provides coverage for bodily injury, property damage or personal injury claims
resulting from the insureds premises, operations or products on an occurrence
basis. (Claims-made coverage is also available.)
Provides occurrence coverage for claims that are a result of a pollution release
arising from an insured's contracting operations. (Claims-made also available.)
Coverage is afforded by amendment to the pollution exclusion.
Covers both sudden and gradual pollution releases.
Covers completed operations.
Optional: Pro-PacSM can provide nose coverage at an additional charge to
eliminate any gaps which may occur when switching from claims-made
(CGL or CPL) to occurrence coverage. For accounts that remain claims-made,
Pro-PacSM can provide prior acts coverage back to the same date the previous
insurer provided. Optional: Asbestos and Lead Abatement coverage is available.
Blanket additional insured coverage for written contracts.
Optional: blanket waiver of subrogation for written contracts and
products pollution coverage.

PROFESSIONAL LIABILITY COVERAGE PART:

For insureds rendering professional services, Pro-PacSM offers protection against
claims existing out of errors and omissions while performing professional services.
Covers both sudden and gradual pollution releases.
Pro-PacSM can provide prior acts coverage back to the same date
a previous insurer provided.
Optional: separate defense costs limit available.
Optional: first dollar defense costs for professional liability available.
Professional coverage available only if the Commercial General Liability
(including CPL) is purchased.
Supplemental Environmental Automobile Liability® (SEAL®) Endorsement

Companion products:

Environmental Insurance:
Contractor Operations and Professional Services (COPS)

Surety Products:
Environmental Surety

Casualty Insurance Products:
Commercial General Liability Insurance (CGL)
Umbrella Liability
Commercial Automobile Liability (AL)

Submission Requirements:

PRO-PACSM application

Products Minimum/Maximum

LIMIT IN THE AGGREGATE $5,000,000

MINIMUM PREMIUM $6,000** (3) $5,000** (4)

MINIMUM DEDUCTIBLE $2,500**

LIMIT PER OCCURRENCE $500,000 to 5,000,000*
LIMIT PER CLAIM $5,000,000

LIMIT EACH WRONGFUL ACT $6,000** (3) $5,000** (4)

LIMITS AVAILABLE UP TO $2,500**

*The general aggregate is shared by all coverages except
products/completed operations, which has its own aggregate.
** At $1,000,000 limit one-year term.
(3) With professional liability
(4) Without professional liability
Higher limits are available through ProPac Umbrella

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