What's Different About Our Coverage?
We have three policies: A combined Professional and Pollution Liability Policy, a Professional Liability Policy, and a stand-alone Pollution Liability Policy.
The combined coverage provides the best protection for your exposures. It is one policy, one carrier and one application. With either the combined policy or the professional liability policy, you protect yourself and your business from professional liability exposures, and close the gap with your General Liability coverage. We provide a reliable, affordable and innovative policy designed specifically for contractors.
Pollution incident coverage is standard.
Coverage has been expanded to include pollution incidents in the combined policy. The pollution coverage gap between professional and general liability policies is lessened. If you dig up a tank or rupture a gas line on a job site, pollution incident coverage is there. Pollution coverage is also available as a stand-alone policy.
Punitive, Exemplary or Multiplied Damage Award.
We provide protection for unanticipated and unpredictable large claims. Punitive, exemplary or multiplied damage awards are covered up to the limit of liability to the fullest extent permitted by law. We provide this coverage to reduce your fears of uncontrollable punitive damage awards.
ADA and FHA Administrative Actions.
We now reimburse you - up to $25,000 per policy year - for legal fees and expenses incurred in response to ADA or FHA regulatory or administrative actions that are reported to CNA before any expenses are incurred.
Self Insured Retention reduced by 50% (up to $25,000 maximum) when the claim is resolved through mediation.
If we can resolve claims quickly and avoid expensive court costs, you save too!
Optional extended reporting periods are available.
With one year at 100%; 3 years at 190%; and 5 years at 250% - of the policy term premium. You don't have to fear a claims made form - coverage continues at your option.
Free Pre-Claims Assistance (800-CNA-ASST).
Report an incident on our toll free number and you will not incur any costs needed to investigate and mitigate circumstances before they become claims. Our exceptional service will help you prevent, and in many cases, resolve issues before they become critical.
Specialists experienced in handling construction industry claims.
Your claim will be handled locally by our claims professionals who are knowledgeable and trained to manage contractor claims. Specialists are located in 25 major cities.
Information available to insureds 24 hours a day, 7 days a week.
Our website includes a risk management directory of resources , a great source of cross-referenced industry material to help you minimize your risks. Schinnerer consistently updates the site so information is current and valuable.
Timely information on industry trends.
Policyholders receive our quarterly newsletter, "Constructive Comments" which offers pertinent information on the contracting industry - from legislative trends to workshops and seminars on risk management. Learn how to increase earnings and reduce costs for your business.
Due to the events of September 11, 2001 many insurers, CNA included, are limiting coverage for claims arising out of War and Terrorist Actions.
If you have any questions regarding either the Professional Liability or the combined Professional and Pollution Liability policy, please contact:
Do you have ideas on how we can improve this program to better meet your needs? Let us hear from you. Send an e-mail to any of the addresses above and tell us what you need.
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