Professional Liability Insurance Coverage is provided on a claims-made basis from New Hampshire Insurance Company, a member company of Chartis Inc. 

 

Express Plan


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Applications

 

If you have entered an application in the last thirty (30) days, you can retrieve your quote to complete the process. You will need to enter your quote number and email address to access the information. If you do not have the quote number please contact Customer Service for assistance.

Express

 



  • The Express Plan is a web based product. The application process may be done entirely on-line. No downloading, printing or faxing necessary. Just click on the Apply Now button to get started.

    Electronic signatures are accepted on direct applications and payment can be made by credit card insuring that coverage can begin as early as the next day.

    The Express Plan is designed for CPA owned firms with 1 to 4 professionals and revenues up to $525,000.

    Limits start at $100,000 and go up to $1,000,000. The Express Plan adds Additional Defense Cost Limits (equal to the Each Claim Limit of the policy) and Corporate Identity Protection in the standard policy.

    Optional coverage that may be added by endorsement includes Employment Practice Liability Insurance, Employee Dishonesty Coverage and Non-profit Directors & Officers Defense Cost Coverage.

Apply Now Express

    Who is Covered
    The firm’s partners, principals, officers, directors, members and it’s employees. The policy includes special provisions for lawful spouses, as well as contract, per diem or leased personnel.

    Coverage Territory
    The United States of America, its territories and possessions, Puerto Rico and Canada.

    Professional Services Definition
    The definition does not limit the firm to traditional accounting services. Coverage applies to advice given or services performed on behalf of the firm for a fee.

    Deductible Reduction
    The policy deductible may be reduced by 50% (up to $50,000) through use of claims mediation or through use of engagement letters.

    Innocent Insured
    If coverage is excluded for certain Insureds due to (1) dishonest, criminal, malicious of fraudulent acts (2) failure of another Insured to give notice to the Company of a Claim or (3) misappropriation, commingling or defalcation of funds or other property, innocent Insureds are still protected.

    Acquisition or Merger
    Automatic coverage for Newly Acquired Entities

    Loss Amounts
    Include pre-judgment and post judgment interest and fines and penalties assessed against clients by the IRS or any other state or municipal taxing authority.

    Liberalization Clause
    Broader Insurance provisions adopted by the Company during the Policy Period are automatically extended to all policies in effect once the provision has been approved by appropriate authorities if there are no premium charges for the coverage.

    Automatic Extended Reporting Period
    Sixty (60) day extended reporting period is provided when the policy terminates.

    Optional Extended Reporting Period
    An endorsement may be purchased to extend the policy reporting periods. Optional Extended Reporting Period endorsements are bilateral and automatically reinstate the Each Claim limit of liability.


    For more information about the features of the professional liability policy and the optional coverages see Coverages.

    Should you have additional questions, Customer Service Staff is available Monday – Friday 8:00 AM to 5:00 PM Eastern Time by calling 1-800-438-1263 or you may also contact us by e-mailing cpa@bbprograms.com.