What are the program features that set you apart?

  • The program is available in all 50 states.
  • We offer a wage and hour option under the EPLI coverage part. The option will provide a $100,000 sublimit for defense costs.
  • Our appetite is expanded to include condo and home owners associations, senior care organizations and a broadened appetite on social service organizations
  • We offer both shared and separate limit options.
  • We offer all coverages (D&O/EPLI/Fiduciary) as monoline policies or on a shared or separate limit basis.

I am not familiar with Navigators Insurance Company, can you tell me more about them?

Established in 1974, The Navigators Insurance Company is rated A (Excellent), by A.M. Best. Headquartered in New York, the company is admitted in all 50 states, the District of Columbia and Puerto Rico. For more information on Navigators Insurance Company, please visit www.Navg.com.

Why was the program moved to Navigators Insurance Company?

The program was moved to provide our agency network and insured’s with a new and innovative product. Schinnerer felt the best way to bring our clients an updated and expanded policy was to form a new partnership with Navigators. This change enables Schinnerer to offer new and enhanced coverages and expanded appetite. We will continue to provide the same unparalleled customer service.

Is your new policy an Association Professional Liability form?

Our new form is an innovative D&O/EPLI/Fiduciary form offered in coverage parts. The title and product has changed in order to deliver a more advanced coverage form. There is still no E&O exclusion, unless modified by endorsement.The new form also retains the ability to sublimit coverage areas in order to develop solutions to manage your clients risks.

Who will handle claims?

Navigators Insurance Company will handle your claims with experienced D&O, EPLI and Fiduciary claims representatives. Their claims services are complemented by exceptional litigation management resources to achieve the best possible results on claims, while providing the highest level of service to our insureds.

Do you provide two year policy terms?

Yes, we offer two year policy terms. Premium will be collected on an annual basis, with the aggregate limit refreshing at the policy annual anniversary date.

Can policies be delivered electronically?

Yes, we send electronic policies to our agents. This enables us to offer 24 hour turn around on bind requests where all subjectivities have been met.

Do you offer a defense outside the limit option?

Yes, we offer options for defense outside the limit.

What non-profit subsidiaries are covered?

The definition of nonprofit subsidiaries automatically covered under the policy form has broadened greatly. Under the policy nonprofit subsidiary will mean any entity which is exempt from taxation under Sections 501c(3) - (10), 501c(19), 501d or 509a(1) - (3) of the Internal Revenue code of 1986, as amended, or any rule or regulation promulgated therunder.

Are for-profit subsidiaries covered?

Yes, for-profit subsidiaries currently covered under the current policy will be covered under the new program. As always, new for-profit subsidiaries will be subject to underwriting review for approval.