Private Company D&O
This product is designed for Private or For Profit businesses. Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company. Apollo offers over a thousand business operations to choose from with coverage limits ranging from $500,000 to $2,000,000.
OVERVIEW
Highlights
- Payment Options: Monthly and Annual
- Eligible in all Canadian provinces and territories, except Quebec
- For businesses with revenues of up to $50M
- Eligible to businesses with US Employees
- 1000+ eligible classes to choose from
Coverage Types
- Insuring Clause A: Directors & Officers Liability (Per Claim and Aggregate)
- Insuring Clause B: Company Indemnification
- Insuring Clause C: Company Liability
- Insuring Clause D: Employment Practices Liability
- Insuring Clause E: Investigative Costs Coverage Sublimit
ELIGIBLE CLASSES
1000+ business classes to choose from! Classes are organized by Industries, so click on the industry that best fit your needs to see all the eligible classes
Private D&O Eligible Classes
- Carpet and Upholstery Cleaning Services
- Exterminating and Pest Control Services
- Janitorial Services
- Landscaping Services
- New Construction Contracting Firm - Residential
- New Construction Contracting Firm - Small Commercial
- Other Foundation, Structure, and Building Exterior Contractors
- Other Services to Buildings and Dwellings
- Renovations Contractor - Commercial
- Renovations Contractor - Residential
- Ambulance Services
- Blood and Organ Banks
- Diagnostic Imaging Centers
- Dental Laboratories
- Family Planning Centers
- Freestanding Ambulatory Surgical and Emergency Centers
- HMO Medical Centers
- Home Health Care Services
- Kidney Dialysis Centers
- Offices of Chiropractors
- Offices of Dentists
- Offices of Mental Health Practitioners (except Physicians)
- Offices of Optometrists
- Offices of Physical, Occupational and Speech Therapists and Audiologists
- Offices of Podiatrists
- Outpatient Care Centers
- Outpatient Mental Health and Substance Abuse Centers
- Veterinary Services
- Vocational Rehabilitation Services (No Franchisor/Franchisee)
- Voluntary Health Organizations
- Environment, Conservation and Wildlife Organizations
- Environmental Remediation Services
- Hazardous Waste Collection
- Hazardous Waste Treatment and Disposal
- Materials Recovery Facilities
- Other Nonhazardous Waste Treatment and Disposal
- Other Waste Collection
- Other Miscellaneous Waste Management Services
- Remediation Services
- Septic Tank and Related Services
- Solid Waste Collection
- Solid Waste Combustors and Incinerators
- Solid Waste Landfill
- Bed and Breakfast Inns (No Franchisor/Franchisee)
- Cafeterias, Grill Buffets, and Buffets (No Franchisor/Franchisee)
- Caterers (No Franchisor/Franchisee)
- Drinking Places (Alcoholic Beverages) (No Franchisor/Franchisee)
- Food Service Contractors (No Franchisor/Franchisee)
- Full-Service Restaurants
- Full-Service Restaurants (No Franchisor/Franchisee)
- Limited-Service Restaurants (No Franchisor/Franchisee)
- Mobile Food Services (No Franchisor/Franchisee)
- Other Traveler Accommodation (No Franchisor/Franchisee)
- Snack and Nonalcoholic Beverage Bars (No Franchisor/Franchisee)
- Bottled Water Manufacturing
- Breweries
- Coffee and Tea Manufacturing
- Cookie and Cracker Manufacturing
- Distilleries
- Dry Pasta, Dough, and Flour Mixes Manufacturing from Purchased Flour
- Flavoring Syrup and Concentrate Manufacturing
- Frozen Cakes, Pies, and Other Pastries Manufacturing
- Ice Manufacturing
- Mayonnaise, Dressing and Other Prepared Sauce Manufacturing
- Other Miscellaneous Food Manufacturing
- Other Snack Food Manufacturing
- Perishable Prepared Food Manufacturing
- Poultry Processing
- Rendering and Meat Byproduct Processing
- Roasted Nuts and Peanut Butter Manufacturing
- Seafood Product Preparation and Packaging
- Soft Drink Manufacturing
- Spice and Extract Manufacturing
- Tobacco Manufacturing
- Tortilla Manufacturing
- Wineries
- Apparel Accessories and Other Apparel Manufacturing
- Broadwoven Fabric Mills
- Carpet and Rug Mills
- Curtain and Linen Mills
- Cut and Sew Apparel Contractors
- Fabric Coating Mills
- Fiber, Yarn, and Thread Mills
- Footwear Manufacturing
- Hosiery and Sock Mills
- Knit Fabric Mills
- Leather and Hide Tanning and Finishing
- Men's and Boys' Cut and Sew Apparel Manufacturing
- Narrow Fabric Mills and Schiffli Machine Embroidery
- Nonwoven Fabric Mills
- Other Apparel Knitting Mills
- Other Cut and Sew Apparel Manufacturing
- Other Leather Good and Allied Product Manufacturing
- Other Miscellaneous Textile Product Mills
- Rope, Cordage, Twine, Tire Cord, and Tire Fabric Mills
- Textile and Fabric Finishing Mills
- Textile Bag and Canvas Mills
- Women's, Girls', and Infants' Cut and Sew Apparel Manufacturing
- Women’s Handbag and Purse Manufacturing
- Sawmills
- Wood Preservation
- Hardwood Veneer and Plywood Manufacturing
- Softwood Veneer and Plywood Manufacturing
- Engineered Wood Member (except Truss) Manufacturing
- Truss Manufacturing
- Reconstituted Wood Product Manufacturing
- Wood Window and Door Manufacturing
- Wood Kitchen Cabinet and Counter Top Manufacturing
- Upholstered Household Furniture Manufacturing
- Nonupholstered Wood Household Furniture Manufacturing
- Wood Office Furniture Manufacturing
- Custom Architectural Woodwork and Millwork Manufacturing
- Office Furniture (Except Wood) Manufacturing
- Showcase, Partition, Shelving, and Locker Manufacturing
- Cut Stock, Resawing Lumber, and Planing
- Other Millwork (including Flooring)
- Wood Container and Pallet Manufacturing
- Manufactured Home (Mobile Home) Manufacturing
- Prefabricated Wood Building Manufacturing
- Other Miscellaneous Wood Product Manufacturing
- Pulp Mills
- Paper (except Newsprint) Mills
- Paperboard Container Manufacturing
- Paper Bag and Coated and Treated Paper Manufacturing
- Stationery Product Manufacturing
- Sanitary Paper Product Manufacturing
- Other Converted Paper Product Manufacturing
- Newsprint Mills
- Paperboard Mills
- Abrasive Product Manufacturing
- Asphalt Paving Mixture and Block Manufacturing
- Asphalt Shingle and Coating Materials Manufacturing
- Blind and Shade Manufacturing
- Cement Manufacturing
- Clay Building Material and Refractories Manufacturing
- Concrete Block and Brick Manufacturing
- Concrete Pipe Manufacturing
- Cut Stone and Stone Product Manufacturing
- Gypsum Product Manufacturing
- Lime Manufacturing
- Manufactured Home (Mobile Home) Manufacturing
- Metal Window and Door Manufacturing
- Other Concrete Product Manufacturing
- Paint and Coating Manufacturing (No Retail Sales/Distribution)
- Pottery, Ceramics, and Plumbing Fixture Manufacturing
- Ready Mix Concrete Manufacturing
- Adhesive Manufacturing (No Retail Sales/Distribution)
- Artificial and Synthetic Fibers and Filaments Manufacturing (No Retail Sales/Distribution)
- Carbon and Graphite Product Manufacturing
- Cyclic Crude, Intermediate, and Gum and Wood Chemical Manufacturing (No Retail Sales/Distribution)
- Ethyl Alcohol Manufacturing (No Retail Sales/Distribution)
- Fertilizer (Mixing Only) Manufacturing (No Retail Sales/Distribution)
- Flat Glass Manufacturing
- Glass Container Manufacturing
- Glass Product Manufacturing from Purchased Glass
- Industrial Gas Manufacturing (No Retail Sales/Distribution)
- Laminated Plastics Plate, Sheet (except Packaging), and Shape Manufacturing
- Nitrogenous Fertilizer Manufacturing (No Retail Sales/Distribution)
- Other Basic Inorganic Chemical Manufacturing (No Retail Sales/Distribution)
- Other Basic Organic Chemical Manufacturing (No Retail Sales/Distribution)
- Other Miscellaneous Chemical Product and Preparation Manufacturing (No Retail Sales/Distribution)
- Other Plastics Product Manufacturing
- Other Pressed and Blown Glass and Glassware Manufacturing
- Other Rubber Product Manufacturing
- Pesticide and Other Agricultural Chemical Manufacturing (No Retail Sales/Distribution)
- Petrochemical Manufacturing (No Retail Sales/Distribution)
- Petroleum Lubricating Oil and Grease Manufacturing
- Phosphatic Fertilizer Manufacturing (No Retail Sales/Distribution)
- Plastic Bag and Pouch Manufacturing
- Plastics Bottle Manufacturing
- Plastics Material and Resin Manufacturing (No Retail Sales/Distribution)
- Plastics Packaging Film and Sheet (including Laminated) Manufacturing
- Plastics Pipe and Pipe Fitting Manufacturing
- Plastics Plumbing Fixture Manufacturing
- Polystyrene Foam Product Manufacturing
- Primary Battery Manufacturing
- Rubber Product Manufacturing for Mechanical Use
- Storage Battery Manufacturing
- Synthetic Dye and Pigment Manufacturing (No Retail Sales/Distribution)
- Synthetic Rubber Manufacturing (No Retail Sales/Distribution)
- Unlaminated Plastics Film and Sheet (except Packaging) Manufacturing
- Unlaminated Plastics Profile Shape Manufacturing
- Urethane and Other Foam Product (except Polystyrene) Manufacturing
- Audio and Video Equipment Manufacturing
- Bare Printed Circuit Board Manufacturing
- Capacitor, Resistor, Coil, Transformer, and Other Inductor Manufacturing
- Commercial, Industrial and Institutional Electric Lighting Fixture Manufacturing
- Computer Storage Device Manufacturing
- Computer Terminal and Other Computer Peripheral Equipment Manufacturing
- Electric Lamp Bulb and Part Manufacturing
- Electronic Computer Manufacturing
- Electronic Connector Manufacturing
- Household Cooking Appliance Manufacturing
- Household Laundry Equipment Manufacturing
- Household Refrigerator and Home Freezer Manufacturing
- Other Communications Equipment Manufacturing
- Other Electronic Component Manufacturing
- Other Lighting Equipment Manufacturing
- Other Major Household Appliance Manufacturing
- Printed Circuit Assembly (Electronic Assembly) Manufacturing
- Radio and Television Broadcasting and Wireless Communications Equipment Manufacturing
- Residential Electric Lighting Fixture Manufacturing
- Semiconductor and Related Device Manufacturing
- Small Electrical Appliance Manufacturing
- Software and Other Prerecorded Compact Disc, Tape, and Record Reproducing
- Telephone Apparatus Manufacturing
- Air Conditioning and Warm Air Heating Equipment and Commercial and Industrial Refrigeration Equipment Manufacturing
- Construction Machinery Manufacturing
- Cutting Tool and Machine Tool Accessory Manufacturing
- Farm Machinery and Equipment Manufacturing
- Fluid Power Cylinder and Actuator Manufacturing
- Fluid Power Pump and Motor Manufacturing
- Food Product Machinery Manufacturing
- Heating Equipment (except Warm Air Furnaces) Manufacturing
- Industrial and Commercial Fan and Blower and Air Purification Equipment Manufacturing
- Industrial Process Furnace and Oven Manufacturing
- Lawn and Garden Tractor and Home Lawn and Garden Equipment Manufacturing
- Machine Tool Manufacturing
- Mechanical Power Transmission Equipment Manufacturing
- Mining Machinery and Equipment Manufacturing
- Other Commercial and Service Industry Machinery Manufacturing
- Other Engine Equipment Manufacturing
- Other Industrial Machinery Manufacturing
- Other Miscellaneous General Purpose Machinery Manufacturing
- Packaging Machinery Manufacturing
- Photographic and Photocopying Equipment Manufacturing
- Printing Machinery and Equipment Manufacturing
- Rolling Mill and Other Metalworking Machinery Manufacturing
- Sawmill, Woodworking, and Paper Machinery Manufacturing
- Scale and Balance Manufacturing
- Semiconductor Machinery Manufacturing
- Special Die and Tool, Die Set, Jig and Fixture Manufacturing
- Speed Changer, Industrial High Speed Drive and Gear Manufacturing
- Turbine and Turbine Generator Set Unit Manufacturing
- Welding and Soldering Equipment Manufacturing
- Alumina Refining and Primary Aluminum Production
- Aluminum Foundries (except Die Casting)
- Aluminum Sheet, Plate and Foil Manufacturing
- Bolt, Nut, Screw, Rivet and Washer Manufacturing
- Copper Rolling, Drawing, Extruding, and Alloying
- Custom Roll Forming
- Electroplating, Plating, Polishing, Anodizing and Coloring
- Fabricated Pipe and Pipe Fitting Manufacturing
- Fabricated Structural Metal Manufacturing
- Fluid Power Valve and Hose Fitting Manufacturing
- Hardware Manufacturing
- Industrial Valve Manufacturing
- Iron and Steel Forging
- Iron and Steel Mills and Ferroalloy Manufacturing
- Iron and Steel Pipe and Tube Manufacturing from Purchased Steel
- Iron Foundries
- Machine Shops
- Metal Can Manufacturing
- Metal Coating, Engraving (except Jewelry and Silverware), and Allied Services to Manufacturers
- Metal Crown, Closure, and Other Metal Stamping (except Automotive)
- Metal Heat Treating
- Metal Household Furniture Manufacturing
- Metal Kitchen Cookware, Utensil, Cutlery, and Flatware (except Precious) Manufacturing
- Metal Tank (Heavy Gauge) Manufacturing
- Nonferrous Forging
- Nonferrous Metal (except Aluminum) Smelting and Refining
- Nonferrous Metal (except Copper and Aluminum) Rolling, Drawing and Extruding
- Nonferrous Metal Die-Casting Foundries
- Ornamental and Architectural Metal Work Manufacturing
- Other Aluminum Rolling, Drawing, and Extruding
- Other Fabricated Wire Product Manufacturing
- Other Metal Container Manufacturing
- Other Metal Valve and Pipe Fitting Manufacturing
- Other Miscellaneous Fabricated Metal Product Manufacturing
- Other Nonferrous Metal Foundries (except Die-Casting)
- Plate Work Manufacturing
- Plumbing Fixture Fitting and Trim Manufacturing
- Powder Metallurgy Part Manufacturing
- Power Boiler and Heat Exchanger Manufacturing
- Precision Turned Product Manufacturing
- Prefabricated Metal Building and Component Manufacturing
- Rolled Steel Shape Manufacturing
- Secondary Smelting and Alloying of Aluminum
- Secondary Smelting, Refining, and Alloying of Nonferrous Metal (except Copper and Aluminum)
- Sheet Metal Work Manufacturing
- Spring Manufacturing
- Steel Foundries (except Investment)
- Steel Investment Foundries
- Steel Wire Drawing
- Air and Gas Compressor Manufacturing
- Ammunition (except Small Arms) Manufacturing
- Analytical Laboratory Instrument Manufacturing
- Automatic Environmental Control Manufacturing for Residential, Commercial and Appliance Use
- Ball and Roller Bearing Manufacturing
- Biological Product (except Diagnostic) Manufacturing (No Retail Sales/Distribution)
- Blank Magnetic and Optical Recording Media Manufacturing
- Broom, Brush and Mop Manufacturing
- Burial Casket Manufacturing
- Conveyor and Conveying Equipment Manufacturing
- Corrugated and Solid Fiber Box Manufacturing
- Current Carrying Wiring Device Manufacturing
- Custom Compounding of Purchased Resins (No Retail Sales/Distribution)
- Dental Equipment and Supplies Manufacturing
- Doll, Toy, and Game Manufacturing
- Electromedical and Electrotherapeutic Apparatus Manufacturing
- Elevator and Moving Stairway Manufacturing
- Explosives Manufacturing (No Retail Sales/Distribution)
- Fastener, Button, Needle and Pin Manufacturing
- Fiber Optic Cable Manufacturing
- Gasket, Packing, and Sealing Device Manufacturing
- Ground or Treated Mineral and Earth Manufacturing
- Household Furniture (except Wood and Metal) Manufacturing
- In Vitro Diagnostic Substance Manufacturing (No Retail Sales/Distribution)
- Industrial Mold Manufacturing
- Industrial Truck, Tractor, Trailer and Stacker Machinery Manufacturing
- Institutional Furniture Manufacturing
- Instrument Manufacturing for Measuring and Testing Electricity and Electrical Signals
- Instruments and Related Products Manufacturing for Measuring, Displaying, and Controlling Industrial Process Variables
- Irradiation Apparatus Manufacturing
- Jewelry and Silverware Manufacturing
- Mattress Manufacturing
- Measuring and Dispensing Pump Manufacturing
- Medicinal and Botanical Manufacturing (No Retail Sales/Distribution)
- Mineral Wool Manufacturing
- Motor and Generator Manufacturing
- Musical Instrument Manufacturing
- Noncurrent Carrying Wiring Device Manufacturing
- Office Supplies (except Paper) Manufacturing
- Ophthalmic Goods Manufacturing
- Optical Instrument and Lens Manufacturing
- Other Communication and Energy Wire Manufacturing
- Other Measuring and Controlling Device Manufacturing
- Other Miscellaneous Nonmetallic Mineral Product Manufacturing
- Overhead Traveling Crane, Hoist and Monorail System Manufacturing
- Pharmaceutical Preparation Manufacturing (No Retail Sales/Distribution)
- Photographic Film, Paper, Plate and Chemical Manufacturing (No Retail Sales/Distribution)
- Polish and Other Sanitation Good Manufacturing (No Retail Sales/Distribution)
- Power Driven Hand Tool Manufacturing
- Printing Ink Manufacturing (No Retail Sales/Distribution)
- Pump and Pumping Equipment Manufacturing
- Relay and Industrial Control Manufacturing
- Rubber and Plastics Hoses and Belting Manufacturing
- Saw Blade and Handtool Manufacturing
- Search, Detection, Navigation, Guidance, Aeronautical, and Nautical System and Instrument Manufacturing
- Sign Manufacturing
- Small Arms Ammunition Manufacturing
- Small Arms, Ordnance, and Ordnance Accessories Manufacturing
- Soap and Other Detergent Manufacturing (No Retail Sales/Distribution)
- Sporting and Athletic Goods Manufacturing
- Surface Active Agent Manufacturing (No Retail Sales/Distribution)
- Surgical and Medical Instrument Manufacturing
- Surgical Appliance and Supplies Manufacturing
- Switchgear and Switchboard Apparatus Manufacturing
- Tire Manufacturing (except Retreading)
- Tire Retreading
- Toilet Preparation Manufacturing (No Retail Sales/Distribution)
- Totalizing Fluid Meter and Counting Device Manufacturing
- Books Printing
- Commercial Printing (except Screen and Books)
- Commercial Screen Printing
- One Hour Photofinishing (No Franchisor/Franchisee)
- Photofinishing Laboratories (except One Hour) (No Franchisor/Franchisee)
- Support Activities for Printing
- Access Consultant
- Accountant (No Audit)
- Acoustic Consultant
- Administrative Management and General Management Consulting Services
- Administrative Management and General Management Consulting Services
- Advertising Agencies
- Advertising Material Distribution Services
- Advertising Services
- Agents and Managers for Artists, Athletes, Entertainers and Other Public Figures
- Alternate Dispute Resolution Services
- Arbitrator
- Architectural Services
- Automobile Driving Schools
- Background Check Services
- Bookkeeper (No Audit)
- Brand Consultant
- Building Inspection Services
- Business Analyst
- Business and Management Consultant
- Business Associations (No Healthcare Exchanges)
- Business Process Re-Engineering
- Call Center
- Career Advisor
- Change Management Consultant
- Child Day Care Services (No Franchisor/Franchisee)
- Collection Agencies
- Commercial Photography
- Contracts and Subcontracts for Engineering Services Awarded Under the National Energy Policy Act of 1992
- Convention and Trade Show Organizers
- Convention and Visitors Bureaus
- Copy Writer
- Corporate Identity Consultant
- Court Reporter
- Court Reporting and Stenotype Services
- Credit Bureaus
- Data Analyst
- Direct Mail Advertising
- Document Preparation Services
- Document Preparer
- Drafting Services
- Editor
- Education Consultant
- Educational Support Services
- Educational Support Services
- Employment Consultant
- Employment Placement Agencies
- Employment Placement Agencies
- Engineering Services
- Environmental Consulting Services
- Escrow Agent
- Exam Preparation and Tutoring
- Executive Search Services
- Expert Witness
- Facilities Support Services (Excluding Accounting/Payroll Services)
- Facilities Support Services (Including Accounting/Payroll Services)
- Feng Shui Consultant
- Finance and Accounting (No Audit)
- Forensic Experts
- Fundraising Consultant
- Geophysical Surveying and Mapping Services
- Graphic Design Services
- Graphic Designer
- Higher Education Consultant
- Hotel and Catering Consultant
- Human Resources Consultant
- Human Resources Consulting Services
- Human Resources Director
- Human Rights Organizations
- Image Consultant
- Inbound Telephone Services
- Industrial Design Services
- Insurance Claim Adjusting Firm
- Interior Design Services
- Jewelry Stores (No Franchisor/Franchisee)
- Labor Unions and Similar Labor Organizations (No Healthcare Exchanges)
- Landscape Architectural Services
- Language Consultant
- Life/Career/Executive Coach
- Management Training
- Marine Engineering and Naval Architecture
- Market Researcher
- Marketing Consultant
- Marketing Consulting Services
- Marketing Consulting Services
- Marketing Research and Public Opinion Polling
- Media Buyer
- Media Buying Agencies
- Media Representatives
- Mediator
- Meeting Planner
- Occupational Health Consultant
- Office Administrative Services (Excluding Accounting/Payroll Services)
- Office Administrative Services (Including Accounting/Payroll Services)
- Offices of Certified Public Accountants
- Offices of Real Estate Agents and Brokers
- Offices of Real Estate Appraisers
- Operations Consultant
- Other Accounting Services (No Credit Card Processing Services)
- Other Accounting Services (No Credit Card Processing Services)
- Other Activities Related to Real Estate
- Other Business Service Centers (including Copy Shops)
- Other Business Support Services
- Other Management Consulting Services
- Other Management Consulting Services
- Other Scientific and Technical Consulting Services
- Other Services Related to Advertising
- Other Similar Organizations (except Business, Professional, Labor, and Political Organizations)
- Other Specialized Design Services
- Other Travel Arrangement and Reservation Services
- Outbound Telephone Services
- Outdoor Advertising
- Payroll Processor
- Payroll Services
- Permanent Employment Services
- Personal Assistant
- Personal Concierge
- Personnel Consultant
- Pet Care (except Veterinary) Services (No Franchisor/Franchisee)
- Photographer
- Photography and Videography Services
- Photography Studios, Portrait
- Political Organizations
- Private Investigator
- Private Mail Centers
- Process, Physical Distribution and Logistics Consulting Services (No Cloud Computing, Data Center or Hosting Services )
- Professional Employer Organization (“PEO”)
- Professional Employer Organizations
- Professional Organizations (No Healthcare Exchanges)
- Professional Organizations (No Healthcare Exchanges)
- Promotion Services
- Proof Reader
- Public Relations Agencies
- Referral Services
- Regulatory Reporting Services
- Repossession Services
- Research and Development in Biotechnology
- Research and Development in the Physical, Engineering, and Life Sciences (except Biotechnology)
- Research and Development in the Social Sciences and Humanities
- Research Consultant
- Resume Consultant
- Sales/Marketing/PR Consultant
- Statistics
- Surveying and Mapping (except Geophysical) Services
- Tax Preparation Services
- Tax Preparer (No Audit)
- Technical Author
- Telecommunications Consultant
- Telemarketer
- Telemarketing Bureaus and Other contact Centers
- Telephone Answering Services
- Temporary Help Services
- Testing Laboratories
- Theologist
- Title Abstract and Settlement Offices
- Title Searcher
- Tour Operators
- Tourism Consultant (No Travel Agents or Tour Operators)
- Training Consultant
- Transcriber
- Translation and Interpretation Services
- Translator
- Travel Agencies
- Tutoring
- Videographer
- Web & Graphic Design
- Wholesale Trade Agents and Brokers
- Lessors of Miniwarehouses and Self Storage Units
- Lessors of Nonresidential Buildings (except Miniwarehouses)
- Lessors of Other Real Estate Property
- Lessors of Residential Buildings and Dwellings
- Nonresidential Property Managers
- Offices of Real Estate Agents and Brokers
- Other Activities Related to Real Estate
- Real Estate Brokerage
- Residential Property Managers
- Residential Property Managers
- Rooming and Boarding Houses (No Franchisor/Franchisee)
- Amusement and Theme Parks (No Franchisor/Franchisee)
- Amusement Arcades (No Franchisor/Franchisee)
- Bowling Centers (No Franchisor/Franchisee)
- Drive In Motion Picture Theaters
- Fitness and Recreational Sports Centers (No Franchisor/Franchisee)
- Golf Courses and Country Clubs (No Franchisor/Franchisee)
- Historical Sites
- Marinas (No Franchisor/Franchisee)
- Motion Picture Theaters (except Drive Ins)
- Museums
- Nature Parks and Other Similar Institutions
- Recreational and Vacation Camps (except Campgrounds) (No Franchisor/Franchisee)
- RV (Recreational Vehicle) Parks and Campgrounds (No Franchisor/Franchisee)
- Skiing Facilities (No Franchisor/Franchisee)
- Zoos and Botanical Gardens
- Coin Operated Laundries and Drycleaners (No Franchisor/Franchisee)
- Drycleaning and Laundry Services (except Coin Operated) (No Franchisor/Franchisee)
- General Automotive Repair (No Franchisor/Franchisee)
- Automotive Exhaust System Repair (No Franchisor/Franchisee)
- Automotive Transmission Repair (No Franchisor/Franchisee)
- Other Automotive Mechanical and Electrical Repair and Maintenance (No Franchisor/Franchisee)
- Automotive Body, Paint and Interior Repair and Maintenance (No Franchisor/Franchisee)
- Automotive Glass Replacement Shops (No Franchisor/Franchisee)
- Automotive Oil Change and Lubrication Shops (No Franchisor/Franchisee)
- Car Washes (No Franchisor/Franchisee)
- All Other Automotive Repair and Maintenance (No Franchisor/Franchisee)
- Consumer Electronics Repair and Maintenance (No Franchisor/Franchisee)
- Computer and Office Machine Repair and Maintenance (No Franchisor/Franchisee)
- Communication Equipment Repair and Maintenance (No Franchisor/Franchisee)
- Other Electronic and Precision Equipment Repair and Maintenance (No Franchisor/Franchisee)
- Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance (No Franchisor/Franchisee)
- Home and Garden Equipment Repair and Maintenance (No Franchisor/Franchisee)
- Appliance Repair and Maintenance (No Franchisor/Franchisee)
- Reupholstery and Furniture Repair (No Franchisor/Franchisee)
- Footwear and Leather Goods Repair (No Franchisor/Franchisee)
- Other Personal and Household Goods Repair and Maintenance (No Franchisor/Franchisee)
- Art Dealers (No Franchisor/Franchisee)
- Boat Dealers (No Franchisor/Franchisee)
- Building Material Dealers (No Franchisor/Franchisee)
- Commercial Air, Rail, and Water Transportation Equipment Rental and Leasing
- Construction, Mining and Forestry Machinery and Equipment Rental and Leasing
- Consumer Electronics and Appliances Rental
- Fuel Dealers (No Franchisor/Franchisee)
- General Rental Centers
- Home Health Equipment Rental
- Manufactured (Mobile) Home Dealers (No Franchisor/Franchisee)
- Motorcycle, ATV, and All Other Motor Vehicle Dealers (No Franchisor/Franchisee)
- New Car Dealers (No Franchisor/Franchisee)
- Office Machinery and Equipment Rental and Leasing
- Other Commercial and Industrial Machinery and Equipment Rental and Leasing
- Other Consumer Goods Rental
- Passenger Car Leasing
- Passenger Car Rental
- Recreational Goods Rental
- Recreational Vehicle Dealers (No Franchisor/Franchisee)
- Tire Dealers (No Franchisor/Franchisee)
- Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasing
- Used Car Dealers (No Franchisor/Franchisee)
- Video Tape and Disc Rental
- Automotive Parts and Accessories Stores (No Franchisor/Franchisee)
- Baked Goods Stores (No Franchisor/Franchisee)
- Bakeries - Retail
- Beer, Wine and Liquor Stores (No Franchisor/Franchisee)
- Book Stores (No Franchisor/Franchisee)
- Children’s and Infants’ Clothing Stores (No Franchisor/Franchisee)
- Clothing Accessories Stores (No Franchisor/Franchisee)
- Confectionery and Nut Stores (No Franchisor/Franchisee)
- Convenience Stores (No Franchisor/Franchisee)
- Cosmetics, Beauty Supplies and Perfume Stores
- Cosmetics, Beauty Supplies and Perfume Stores (No Franchisor/Franchisee)
- Department Stores (except Discount Department Stores) (No Franchisor/Franchisee)
- Discount Department Stores (No Franchisor/Franchisee)
- Electronic Shopping (No Franchisor/Franchisee)
- Electronics Stores (No Franchisor/Franchisee)
- Family Clothing Stores (No Franchisor/Franchisee)
- Fish and Seafood Markets (No Franchisor/Franchisee)
- Floor Covering Stores (No Franchisor/Franchisee)
- Florists (No Franchisor/Franchisee)
- Food (Health) Supplement Stores (No Franchisor/Franchisee)
- Fruit and Vegetable Markets (No Franchisor/Franchisee)
- Furniture Stores (No Franchisor/Franchisee)
- Gasoline Stations with Convenience Stores (No Franchisor/Franchisee)
- Gift, Novelty and Souvenir Stores (No Franchisor/Franchisee)
- Hardware Stores (No Franchisor/Franchisee)
- Hobby, Toy and Game Stores (No Franchisor/Franchisee)
- Home Centers (No Franchisor/Franchisee)
- Household Appliance Stores (No Franchisor/Franchisee)
- Jewelry Stores (No Franchisor/Franchisee)
- Linen Supply (No Franchisor/Franchisee)
- Luggage and Leather Goods Stores (No Franchisor/Franchisee)
- Meat Markets (No Franchisor/Franchisee)
- Meat Processed from Carcasses
- Men’s Clothing Stores (No Franchisor/Franchisee)
- Miscellaneous Store Retailers (except Tobacco Stores) (No Franchisor/Franchisee)
- Musical Instrument and Supplies Stores (No Franchisor/Franchisee)
- News Dealers and Newsstands (No Franchisor/Franchisee)
- Nursery and Garden Centers (No Franchisor/Franchisee)
- Office Supplies and Stationery Stores (No Franchisor/Franchisee)
- Optical Goods Stores (No Franchisor/Franchisee)
- Other Clothing Stores (No Franchisor/Franchisee)
- Other Direct Selling Establishments (No Franchisor/Franchisee)
- Other Gasoline Stations (No Franchisor/Franchisee)
- Other General Merchandise Stores (No Franchisor/Franchisee)
- Other Health and Personal Care Stores (No Franchisor/Franchisee)
- Other Home Furnishings Stores (No Franchisor/Franchisee)
- Other Miscellaneous Store Retailers (except Tobacco Stores) (No Franchisor/Franchisee)
- Other Specialty Food Stores (No Franchisor/Franchisee)
- Outdoor Power Equipment Stores (No Franchisor/Franchisee)
- Paint and Wallpaper Stores (No Franchisor/Franchisee)
- Pet and Pet Supplies Stores (No Franchisor/Franchisee)
- Pharmacies and Drug Stores (No Franchisor/Franchisee)
- Sewing, Needlework and Piece Goods Stores (No Franchisor/Franchisee)
- Shoe Stores (No Franchisor/Franchisee)
- Sporting Goods Stores (No Franchisor/Franchisee)
- Supermarkets and Other Grocery (except Convenience) Stores (No Franchisor/Franchisee)
- Used Merchandise Stores (No Franchisor/Franchisee)
- Vending Machine Operators (No Franchisor/Franchisee)
- Warehouse Clubs and Superstores (No Franchisor/Franchisee)
- Window Treatment Stores (No Franchisor/Franchisee)
- Women's Clothing Stores (No Franchisor/Franchisee)
- Women’s Clothing Stores (No Franchisor/Franchisee)
- Armored Car Services
- Investigation Services
- Locksmiths
- Security Guards and Patrol Services
- Security Systems Services (except Locksmiths; No Network Security Services or Monitoring Services - Electronic or Physical)
- Child and Youth Services (No Franchisor/Franchisee)
- Community Food Services (No Franchisor/Franchisee)
- Emergency and Other Relief Services (No Franchisor/Franchisee)
- For Profit - Civic and Social Organizations (No Healthcare Exchanges)
- For Profit - Social Advocacy Organizations
- Other Community Housing Services (No Franchisor/Franchisee)
- Other Individual and Family Services (No Franchisor/Franchisee)
- Services for the Elderly and Persons with Disabilities (No Franchisor/Franchisee)
- Temporary Shelters (No Franchisor/Franchisee)
- Barber Shops (No Franchisor/Franchisee)
- Hairstylist/ Hair Salon
- Beauty Salons (No Franchisor/Franchisee)
- Nail Salons (No Franchisor/Franchisee)
- Computer Facilities Management Services (No Cloud Computing, Data Center or Hosting Services )
- Computer Hardware Sales (including consulting)
- Computer Maintenance or Repair
- Computer Systems Design Services (No Cloud Computing, Data Center or Hosting Services )
- Custom Computer Programming Services (No Cloud Computing, Data Center or Hosting Services )
- Custom Software, Programming or Application Development for Others
- Data Processing, Hosting, and Related Services (No Cloud Computing, Data Center or Hosting Services, No Credit Card Processing Services)
- Enterprise Resource Planning Installation
- General IT Consulting (but not security specific)
- Hardware Infrastructure as a Service
- Information Technology Value Added Resellers
- Information Technology Value Added Resellers
- IT Network Configuration or Communication Configuration
- IT Project Management
- IT Security Consulting
- IT Staffing Services
- Managed or Third Party IT Services
- Other Computer Related Services (No Cloud Computing, Data Center or Hosting Services )
- Other Computer Related Services (No Cloud Computing, Data Center or Hosting Services )
- Other Telecommunications (No Cloud Computing, Data Center or Hosting Services, No Credit Card Processing Services)
- Packaged Software or Hardware Installation
- Prepackaged Software
- Satellite Telecommunications
- Software Publishers
- Software Publishers
- Subscription Based Business Software as a Service
- Telecommunications Resellers
- Video Game Developers
- Web Development or Web Graphic Design or Digital Marketing
- Wired Telecommunications Carriers
- Wireless Telecommunications Carriers (except Satellite)
- Air Traffic Control
- Bus and Other Motor Vehicle Transit Systems
- Charter Bus Industry
- Coastal and Great Lakes Freight Transportation
- Coastal and Great Lakes Passenger Transportation
- Commuter Rail Systems
- Couriers and Express Delivery Services
- Deep Sea Freight Transportation
- Deep Sea Passenger Transportation
- Freight Transportation Arrangement
- General Freight Trucking, Local
- General Freight Trucking, Long Distance, Less Than Truckload
- General Freight Trucking, Long Distance, Truckload
- Inland Water Freight Transportation
- Inland Water Passenger Transportation
- Interurban and Rural Bus Transportation
- Limousine Service
- Line Haul Railroads
- Local Messengers and Local Delivery
- Mail Order Houses (No Franchisor/Franchisee)
- Marine Cargo Handling
- Mixed Mode Transit Systems
- Motor Vehicle Towing
- Navigational Services to Shipping
- Non Vessel Owning Common Carriers and Household Goods Forwarders
- Nonscheduled Chartered Freight Air Transportation
- Nonscheduled Chartered Passenger Air Transportation
- Other Airport Operations
- Other Nonscheduled Air Transportation
- Other Pipeline Transportation
- Other Support Activities for Air Transportation
- Other Support Activities for Road Transportation
- Other Support Activities for Transportation
- Other Support Activities for Water Transportation
- Other Transit and Ground Passenger Transportation
- Other Urban Transit Systems
- Pipeline Transportation of Crude Oil
- Pipeline Transportation of Natural Gas
- Pipeline Transportation of Refined Petroleum Products
- Port and Harbor Operations
- Postal Service
- Scenic and Sightseeing Transportation, Land
- Scenic and Sightseeing Transportation, Other
- Scenic and Sightseeing Transportation, Water
- Scheduled Freight Air Transportation
- Scheduled Passenger Air Transportation
- School and Employee Bus Transportation
- Short Line Railroads
- Special Needs Transportation
- Specialized Freight (except Used Goods) Trucking, Local
- Specialized Freight (except Used Goods) Trucking, Long Distance
- Support Activities for Rail Transportation
- Used Household and Office Goods Moving
- Acupressurists
- Aquatic Fitness
- Aromatherapy
- Asanas
- Aston Pattering
- Barre Instructor
- Bio Energetic Intolerance
- Bio-Energy Healing
- Biofeedback
- BodyTalk
- Boot Camps
- Bowen Therapy
- Boxing for Fitness (Non-Contact)
- BrainGym
- Breema
- Chair Massage (non-RMT)
- Chakra Balancing
- Colour Therapy
- CPR/First Aid
- Craniosacral Therapy
- CrossFit
- Crystal Healing
- Dance
- Dance Companies (No Franchisor/Franchisee)
- Deep Muscle Therapy
- Deep Tissue Massage (non-RMT)
- Diet and Weight Reducing Centers (No Franchisor/Franchisee)
- Drumming
- Fit 4 Two
- Fitness and Recreational Sports Centers (No Franchisor/Franchisee)
- Fitness Instructor Specialist
- Golf Instructor
- Group / Class Fitness Instructor
- Group Fitness & Training
- Guided Imagery
- Healing Touch
- Hellerwork
- Hot Stone Massage (non-RMT)
- Hydrotherapy (RMT only)
- Indian Head Massage (non-RMT)
- Integrated Energy Therapy
- Japa Meditation
- Jin Shin Jyutsu
- Kinesitherapy Massage
- Light Energy Therapy
- Lomilomi Massage
- Lymphatic Drainage
- Meditation
- MELT Method
- Muscle Therapy
- Myofascial Release
- Neurostructural Integration
- Non-Contact Martial Arts
- Nordic Pole Walking
- Nutritionist/ Nutritional Consulting
- Older Adult Fitness
- Ortho-Bionomy
- Osteofit
- Osteopathy Manual Practitioner [(D)OMP certification only]
- Other Personal Care Services (No Franchisor/Franchisee)
- Personal Trainer
- Pilates
- PiYO
- Post-Natal Coach
- Qi-Gong
- Quantum Touch
- Racquetball Instructor
- Raindrop Therapy
- Reflexology
- Registered Massage Therapist (RMT)
- Reiki
- Relaxation Massage (non-RMT)
- Rolfing
- Shiatsu
- Sound Healing
- Sport Conditioning Specialist
- Sports Massage
- Squash Instructor
- Structural Integration
- Swedish Massage (non-RMT)
- Tai Chi
- Tennis Instructor
- Therapeutic Touch
- Touch for Health
- Trager
- Trigenics
- Trigger Point Therapy
- Visceral Manipulation
- Weight Training
- Wellness & Nutrition Specialist
- Yoga Studio
- Zen Therapy
- Zumba
- Automobile and Other Motor Vehicle Merchant Wholesalers
- Beer and Ale Merchant Wholesalers
- Book, Periodical, and Newspaper Merchant Wholesalers
- Brick, Stone, and Related Construction Material Merchant Wholesalers
- Business to Business Electronic Markets
- Coal and Other Mineral and Ore Merchant Wholesalers
- Commercial Bakeries
- Computer and Computer Peripheral Equipment and Software Merchant Wholesalers
- Confectionery Merchant Wholesalers
- Construction and Mining (except Oil Well) Machinery and Equipment Merchant Wholesalers
- Dairy Product (except Dried or Canned) Merchant Wholesalers
- Drugs and Druggists’ Sundries Merchant Wholesalers
- Electrical Apparatus and Equipment, Wiring Supplies, and Related Equipment Merchant Wholesalers
- Farm and Garden Machinery and Equipment Merchant Wholesalers
- Farm Product Warehousing and Storage
- Farm Supplies Merchant Wholesalers
- Fish and Seafood Merchant Wholesalers
- Flower, Nursery Stock, and Florists’ Supplies Merchant Wholesalers
- Footwear Merchant Wholesalers
- Fresh Fruit and Vegetable Merchant Wholesalers
- Furniture Merchant Wholesalers
- General Line Grocery Merchant Wholesalers
- General Warehousing and Storage
- Grain and Field Bean Merchant Wholesalers
- Hardware Merchant Wholesalers
- Home Furnishing Merchant Wholesalers
- Household Appliances, Electric Housewares, and Consumer Electronics Merchant Wholesalers
- Industrial and Personal Service Paper Merchant Wholesalers
- Industrial Machinery and Equipment Merchant Wholesalers
- Industrial Supplies Merchant Wholesalers
- Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers
- Livestock Merchant Wholesalers
- Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers
- Meat and Meat Product Merchant Wholesalers
- Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers
- Men’s and Boys’ Clothing and Furnishings Merchant Wholesalers
- Metal Service Centers and Other Metal Merchant Wholesalers
- Motor Vehicle Parts (Used) Merchant Wholesalers
- Motor Vehicle Supplies and New Parts Merchant Wholesalers
- Office Equipment Merchant Wholesalers
- Ophthalmic Goods Merchant Wholesalers
- Other Chemical and Allied Products Merchant Wholesalers
- Other Commercial Equipment Merchant Wholesalers
- Other Construction Material Merchant Wholesalers
- Other Electronic Parts and Equipment Merchant Wholesalers
- Other Farm Product Raw Material Merchant Wholesalers
- Other Grocery and Related Products Merchant Wholesalers
- Other Miscellaneous Durable Goods Merchant Wholesalers
- Other Miscellaneous Durable Goods Merchant Wholesalers
- Other Miscellaneous Nondurable Goods Merchant Wholesalers
- Other Professional Equipment and Supplies Merchant Wholesalers
- Other Warehousing and Storage
- Packaged Frozen Food Merchant Wholesalers
- Paint, Varnish, and Supplies Merchant Wholesalers
- Petroleum and Petroleum Products Merchant Wholesalers (except Bulk Stations and Terminals)
- Petroleum Bulk Stations and Terminals
- Photographic Equipment and Supplies Merchant Wholesalers
- Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers
- Plastics Materials and Basic Forms and Shapes Merchant Wholesalers
- Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Wholesalers
- Poultry and Poultry Product Merchant Wholesalers
- Printing and Writing Paper Merchant Wholesalers
- Recyclable Material Merchant Wholesalers
- Refrigerated Warehousing and Storage
- Refrigeration Equipment and Supplies Merchant Wholesalers
- Roofing, Siding, and Insulation Material Merchant Wholesalers
- Service Establishment Equipment and Supplies Merchant Wholesalers
- Sporting and Recreational Goods and Supplies Merchant Wholesalers
- Stationary and Office Supplies Merchant Wholesalers
- Tire and Tube Merchant Wholesalers
- Toy and Hobby Goods and Supplies Merchant Wholesalers
- Transportation Equipment and Supplies (except Motor Vehicle) Merchant Wholesalers
- Warm Air Heating and Air Conditioning Equipment and Supplies Merchant Wholesalers
- Wine and Distilled Alcoholic Beverage Merchant Wholesalers
- Women’s, Children’s, and Infants’ Clothing and Accessories Merchant Wholesalers
- Cemeteries and Crematories (No Franchisor/Franchisee)
- Electronic Auctions (No Franchisor/Franchisee)
- Formal Wear and Costume Rental
- Funeral Homes and Funeral Services (No Franchisor/Franchisee)
- Industrial Launderers (No Franchisor/Franchisee)
- Lessors of Non-Financial Intangible Assets (except Copyrighted Works)
- Packaging and Labeling Services
- Packing and Crating
- Parking Lots and Garages (No Franchisor/Franchisee)
COVERAGE AND WORDINGS
Limits and Coverage
Available Limits
- $500,000
- $1,000,000
- $2,000,000
Coverages
- Insuring Clause A – Directors & Officers Liability
- Insuring Clause B – Company Indemnification
- Insuring Clause C – Company Liability
- Insuring Clause D – Employment Practice Liability
- Insuring Clause E – Investigative Costs Coverage Sublimit
Standard Endorsements
- Company vs Insured Exclusion Amendment
- Bill C45 Endorsement
- Fiduciary Liability Coverage – Private
- Insuring Clause C – Anti-Trust Claim Exclusion
- Insuring Clause C – Contract Exclusion
- Insuring Clause C – Copyright/Patent infringement Exclusion
- Side A, B and C Non Rescindable
- Employed Lawyer Coverage
- Wage and Hour Exclusion