Liability

CMCi was created by the request of health care providers for a full-service insurance agency. The Agency's insurance products are designed specifcally to mitigate your exposure to loss and help contain your cost of risk.

 
 
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Professional Liability

At the root of what we do, Professional Liability coverage provides protection for your organization’s professional employees against claims resulting from their actual or perceived negligent acts, errors and omissions by their services provided.

 

 

General Liability

Commonly known as slip and fall insurance, General Liability coverage provides protection against claims arising from accidents from the insured's premises or operations, products sold by the insured, operations completed by the insured and contractual liability.

Directors and Officers Liability

Directors and Officers Liability coverage provides protection against legal claims for wrongful acts performed by an organizations directors or officers in performing their obligations and duties. Wrongful acts include omissions, errors, misstatements, misleading statements, neglect or breach of duty. CMCi’s Directors & Officers Liability Program includes:

  • An automatic 5% premium reduction in your renewal premium

  • A workplace HELPLINE provided at no additional cost allows access to experienced employment attorneys throughout the policy period

  • Punitive Damages and Third Party Coverage

  • Additional endorsement available including Fiduciary Liability, Crime and Kidnap & Ransom / Extortion Coverage

Employment Practices Liability

Coupled with CMCi’s Directors & Officers Liability coverage, our EPLI coverage provides protection against claims involving wrongful termination, employee harassment and discrimination.

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Excess Liability

Excess Liability Insurance is liability coverage which does not participate until all other similar insurance on the same subject is exhausted, or until the loss exceeds a previously agreed upon amount

 

Umbrella Liability

Umbrella Liability coverage refers to a policy that protects the assets and future income of the named insured in addition to his or her primary policies. It is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to "drop down" to fill coverage gaps in underlying policies. Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than primary coverage.