The Surplus Line Association of California
Insurance Summary
2024-2025
| Line of Coverage | Insurance Carrier | Policy Number | Policy Period | Deductible / Retention | Limit | 2023-2024 Annual Premium | Comment |
| Cyber w/Media Liability | Hiscox (Non-Admitted) | MPL4120006.23 | 5/15/2023 - 8/13/2024 POLICY EXTENSION | $10,000 Retention | Cyber Liability $5,000,000 Limit of Liability $1,000,000 Bricking Costs $100,000 Cyber Crime (Social Engineering) $5,000,000 Dependent Business Interruption $5,000,000 Dependent System Failure $1,000,000 Privacy Regulation $1,000,000 Reputational Harm $5,000,000 System Failure $1,000,000 Utility Fraud Media Liability $5,000,000 Limit of Liability Cyber & Media Liability Shared Limits | $15,440 | Includes Taxes & Fees Premium includes $3,081 for Policy Extension. SLA to institute MFA protocols on email, privileged accounts, and remote access by 8/13/24 |
| Business Travel Accident | Chubb (Admitted) | ADD N1084602A | 12/1/2023 - 12/1/2024 | $10,000 Deductible | Classes of Eligible Persons Class 1 - All Executives of the Policyholder Class 2 - All Employees of the Policyholder (Excl. Those in Class 1) Class 3 - All U.S. Board Members of the Policyholder Accidental Death & Dismemberment Benefits Class 1 - $1,000,000 Principal Sum Class 2 - $500,000 Principal Sum Class 3 - $500,000 Principal Sum Benefit Maximum - $5,000,000 Aggregate Other Notable Coverages Includes Coverage for Spouses and Dependent Children Includes Health Insurance Includes Travel Assistance Services Includes Travel Assistance Program Emergency Medical Evacuation - 100% of Covered Expenses Repatriation - 100% of Covered Expenses Maximum Per Covered Accident or Sickness or Person - $250,000 Life Insurance - 80% of Death Benefits Not to Exceed $300,000 Annuities - 80% of Present Value Not to Exceed $350,000 | $3,593 | 3-Year Policy @ $6,970 Total Premium or $2,323 Annual Plus $1,270 For 2023-2024 Term Adding Board Members as a Policyholder |
| Miscellaneous Professional Liability | Houston Specialty (Non-Admited) | MEO-HS-0006413-00 | 3/20/2024 - 5/15/2025 | $25,000 Retention | $5,000,000 Per Claim $5,000,000 Annual Aggregate Excludes Terrorism Definition of Professional Services Association Services, including Related Financial Analysis, Security Review, Stamping and Examination of Statutory Filings, Data Analysis and Reporting, and Advisory Services | $50,429 | Includes Taxes & Fees. This is our first coverage term. Retroactive Date: 2/9/21 |
| Primary Directors & Officers | Landmark American (Non-Admitted) | DP710053 | 5/15/2024 - 5/15/2025 | $75,000 Retention, Except $0 for Non-Indemnified Officers & Directors | $5,000,000 Per Claim $5,000,000 Annual Aggregate $1,000,000 Additional Side A Limit for Officers & Directors Includes Terrorism | $36,113 | Includes Taxes & Fees |
| Excess Directors & Officers | Evanston (Non-Admitted) | MKLV5MXM000301 | 5/15/2024 - 5/15/2025 | N/A | $5,000,000 XS $5,000,000 Primary D&O Includes Terrorism | $20,120 | Includes Taxes & Fees |
| Executive Risk Package (EPL, Fiduciary, Kidnap & Ransom) | Travelers (Admitted) | 105615660 | 5/15/2024 - 5/15/2025 | Retentions: Employment Practices Liability $35,000 Fiduciary Liability $0 Kidnap & Ransom $0 Identity Fraud Expense $0 | Employment Practices Liability (Including 3rd Party Liability) $5,000,000 Limit of Liability Fiduciary Liability $3,000,000 Maximum Aggregate $1,000,000 Additional Defense $1,000,000 HIPAA $250,000 Settlement Program Kidnap & Ransom $1,000,000 Kidnap & Ransom $1,000,000 Extortion for Ransom $1,000,000 Detention & Hijack $1,000,000 In Transit / Delivery $50,000 Rest & Rehabilitation Expenses $1,000,000 Additional Expenses $1,000,000 Legal Liability Personal Accident $250,000 Per Insured Person $1,000,000 Annual Aggregate Identity Fraud Expense $25,000 Limit of Liability Includes Terrorism | $31,331 | |
| Crime | Hartford (Admitted) | 57FA0230455 | 5/15/2024 - 5/15/2025 | $10,000 Deductible | $2,000,000 Employee Theft $2,000,000 Computer & Funds Transfer Fraud $2,000,000 Inside the Premises - Money, Securities & Other Property $2,000,000 Outside the Premises - Money, Securities & Other Property $2,000,000 Depositors Forgery or Alteration $2,000,000 Credit, Debit or Charge Card Forgery $50,000 Money Orders & Counterfeit Currency $25,000 Investigative Expenses Employee Theft Client Premises - Not Covered | $3,731 | |
| Domestic Package - Property & General Liability | Chubb (Admitted) | 36063721 | 5/15/2024 - 5/15/2025 | Deductibles: Property $1,000 Business Income w/Extra Expense 24-Hour Waiting Period - BI $0 Extra Expense Earthquake Sprinkler Leakage $1,000 Employee Benefits Liability $1,000 | Covered Locations 1. 12667 Alcosta Blvd, Ste 450, San Ramon, CA 94583 2. 12667 Alcosta Blvd, Ste 475, San Ramon, CA 94583 Property $3,388,923 Blanket Limit - Business Personal Property, incl. Tenant Improvements & Betterments $895,754 Blanket Limit - Business Income w/Extra Expense $1,200,000 Electronic Data Processing $100,000 Personal Property Any Other Location $30,000 Earthquake Sprinkler Leakage Includes Equipment Breakdown General Liability $2,000,000 General Aggregate Products & Completed Operations Included in the General Aggregate $1,000,000 Per Occurrence $1,000,000 Advertising & Personal Injury $1,000,000 Damage to Premises Rented to You $5,000 Medical Expenses Employee Benefits Liability $1,000,000 Per Occurrence $1,000,000 Annual Aggregate 5/15/2013 Retroactive Date | $16,048 | |
| Business Auto | Chubb (Admitted) | 73615267 | 5/15/2024 - 5/15/2025 | Deductibles: Liability $0 Hired Auto Physical Damage $500 Comprehensive $500 Collision | Hired & Non-Owned Auto Liability $1,000,000 Combined Single Limit Includes Hired Auto Physical Damage Terrorism Does Not Apply | $1,748 | |
| Excess & Umbrella | Chubb (Admitted) | 78191462 | 5/15/2024 - 5/15/2025 | $0 Retention | $25,000,000 Excess & Umbrella Liability Follow Form to Underlying Policies General Liability Employee Benefits Liability Auto Liability Employers Liability Excludes Terrorism | $19,769 | |
| Workers Compensation & Employers Liability | Berkshire (Admitted) | SUWC562150 | 5/15/2024 - 5/15/2025 | N/A | Workers Compensation - Statutory Covered States: CA, NC Employers Liability $1,000,000 Each Accident $1,000,000 Policy Limit $1,000,000 Each Employee Includes Terrorism | $24,226 | |
| Difference in Condition - EQ & Flood | Mt. Hawley (Non-Admitted) | MCQ0203479 | 5/15/2024 - 5/15/2025 | Deductibles: Earthquake, Including EQSL 5% or $50,000 Minimum Flood $50,000 Per Occurrence Business Income & Extra Expense 5% or $50,000 Minimum | 12667 Alcosta Blvd, Suite 450, San Ramon, CA 94583 $2,200,000 Tenant's Improvements & Betterments $400,000 Business Personal Property $700,000 Electronic Data Processing $50,000 Business Income & Extra Expense 12667 Alcosta Blvd, Suite 475, San Ramon, CA 94583 $1,800,000 Tenant's Improvements & Betterments $250,000 Business Personal Property $750,000 Electronic Data Processing $150,000 Business Income & Extra Expense Covered Perils Earthquake Earthquake Sprinkler Leakage (EQSL) Earthquake Water Damage Flood (Excluding Zones A & V and/or 100-Year Flood Plan Area) Valuation Replacement Cost for Property Damage Actual Loss Sustained for Business Income (Monthly Loss Limitation - 1/12 or 8.3% for Business Income) Excludes Terrorism | $27,941 | Includes Taxes & Fees |
| Inland Marine | Liberty Mutual (Admitted) | BMO66295400 | 6/22/2024 - 5/15/2025 | $1,000 Deductible | $250,000 Limit $5,000 Additional Debris Removal Expenses $10,000 Pollutant Cleanup and Removal Valuation - Actual Cash Value 100% Coinsurance Includes Property in Transit Coverage Covers Scheduled Photography and Videography Equipment Includes Terrorism | $4,375 | |
| TOTAL ANNUAL PREMIUM (INCLUDES TAXES & FEES WHERE APPLICABLE) | $254,864 | ||||||