Specialized operations require specialized coverage –  EPLI, Pollution, Errors and Omissions (E&O), Construction Defects may be excluded from your CGL policy.   H&H Insurance Services, Inc. can help sort out the sometimes confusing aspects of General Liability.

EPLI – Employment Practices Liability Insurance –  An EPLI policy responds to allegations of discrimination, wrongful termination, disciplinary actions and harassment.  A General Liability policy may not respond to claims pertaining to these actions and some GL policy specifically exclude Employment Practices Liability.   H&H Insurance Services, Inc. has access to several reputable providers of EPLI programs as well as a copy of the Employment Labor Law (ELLA) software in-house.

CPL – Contractors Pollution Liability - provides third party Bodily Injury, Property Damage and Cleanup coverage for unintentional pollution caused by covered operations while the named insured is working at sites that are not owned or occupied by the named insured.  CPL coverage usually ends once materials are moved beyond the boundaries of the job site.  As the name implies, contractors of all types purchase this coverage (though it is often included in environmental consultants and laboratories professional liability policies).  CPL may be written on either a claims made or occurrence form, depending on exposures.

CD - Construction Defects – construction defects are imperfections that occur during construction of a building.  These defects can occur as a result of design error, improper use of building materials or the failure of a contractor to follow blueprint design.   The majority of these claims involve water damage.  Special attention must be given to contractors and their specific underwriting needs – H&H Insurance Services, Inc. has specialized in the needs of contractors for over 10 years.

E&O - Errors & Omissions - Coverage for damages arising out of the insured's negligence, mistakes, or failure to take appropriate action in the performance of business or professional duties.  If you perform a service for a fee, your business could face an allegation of failure to perform that service or an intangible loss could arise from the failure to provide accurate or complete information.   H&H Insurance Services, Inc. has the capabilities to analyze your specific needs and incorporate E&O coverage into your existing program.