Member Coverage Provided by AHRMA

Property Coverage

Limit

• Up to $25 Million Per Occurrence
• More Limited Flood and Earthquake Coverage

Includes

• Business Personal Property
• Business Income and Extra Expense
• Electronic Data Processing $100,000 Limit
• Property Off Premises $25,000 Limit
• Sewer Backup $100,000 Limit
• Leased Equipment $25,000 Limit
• Property In Transit $25,000 Limit
• Money and Securities $10,000 Limit

General Liability

Limit

• $1 Million Per Occurrence, $2 Million Annual Aggregate
• Higher Limits Available

Includes

• Bodily Injury and Property Damage Liability
• Employee Benefits Liability (Claims Made)
• Personal and Advertising Injury Liability
• Defense for Allegations of Sexual Abuse / Molestation ($500,000)

Public Officials Liability

Limit

• $1 Million Per Claim, $1 Million Annual Aggregate
• Higher Limits Available

Includes

• Claims Made Form
• Employment Practices Liability
• Judicial and Administrative or Quasi-Judicial Proceedings

Workers Compensation

Includes

• Coverage Provided as Directed by Statute
• Employers Liability Included

Owned Auto

Limit

• $1 Million Liability Limit Any One Accident
• Higher Limits Available

Includes

• Actual Cash Value Auto Physical Damage
• Varying Limits for Uninsured/Underinsured Motorists

AHRMA Also Provides

• Hired and Non-Owned Auto Liability
• Boiler and Equipment Breakdown
• Commercial Crime Including Funds Transfer Fraud