Specialty Lines Products

The Company has always been niche market oriented, priding itself on product innovation and differentiation within the context of underwriting integrity. The Specialty Lines Division made its initial entry into the Directors & Officers Liability (D&O) and Professional Liability (E&O) insurance business in the early 1980's writing D&O for colleges and universities, foundations, trade associations and many other classes of non-profits and social service agencies. Our experience in the nonprofit D&O marketplace propelled us into many other niches including For-Profit D&O, Miscellaneous E&O, Agents E&O and others. The Company maintains an in-house claims staff of 30 professionals, most of whom have substantial experience in the D&O/E&O business. The Company has over 9,000 Specialty Lines customers countrywide and offers interest-free financing on most products.

The products offered include:

• Accountants Professional Liability - Philadelphia Insurance Companies is committed to providing coverage for the accounting profession.

• Dentists Professional Liability - Our Program addresses the unique exposures specific to the dental profession. Our goal is to tailor a coverage program that satisfies and exceeds your expectations, from a malpractice and general liability standpoint.

• Excess Liability - Philadelphia Insurance Companies' excess insurance policy gives the insured the ability to build upon their primary insurance coverage. The policy is intended to provide excess coverage over various types of claims-made liability policies, including Directors & Officers, Employment Practices, Errors & Omissions, and Fiduciary Liability to name a few.

• Executive Safeguard Policy - Executive Safeguard offers four important coverages: Directors and Officers Liability; Employment Practices Liability; Fiduciary Liability; and Special Risk Insurance. This product is geared to both private and public companies.

• Directors and Officers Flexi-Plus Protection - Flexi-Plus is D & O policy that gives the insured the option to have the insurer assume the defense or pay on behalf coverage.

• Insurance Agents Errors and Omissions Coverage - Philadelphia Insurance Companies is committed to providing Insurance Agents a quality professional liability policy. Our underwriting flexibility enables us to address the unique coverage exposures that constantly confront agents. The policy is tailored in a fashion that provides a solid coverage foundation for the Independent Insurance Agent.

• Insurance Company's Professional Liability - Philadelphia Insurance Company provides professional liability coverage for Insurance Companies. This policy is designed to address wrongful acts arising out of the rendering or failure to render Professional Services. Professional Services are defined in the policy and include claims handling activities, risk management services, etc.

• Lawyers Professional Liability - Our program provides Errors and Omission coverage with unique policy enhancements to a variety of law firms.

• Miscellaneous Professional Liability - Philadelphia Insurance Companies is committed to providing professional liability coverage to a variety of professions including consultants, title agents, mortgage banker/brokers, TPA's and more. The policy is designed to address exposures resulting from negligent acts, errors or omissions, and if endorsed, personal injury.