Technology is changing healthcare, from the advantages and risks of electronic health records to mobile devices developed for management of asthma to wearable monitors such as FitBit and Jawbone. Healthcare has unique needs and so do the offices that support them.
CNA offers optional healthcare specific endorsements to their standard BOP coverage.
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Accounts Receivable
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Additional $250,000
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Black Bag
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$25,000
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Brands or Labels
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$25,000
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Business Income - Mobile Operations Vehicle
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$75,000
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Business Income - Daily Limit Option
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$1000 per Day, 15 Days
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Extended Business Income and Extra Expense
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Additional 30 Days
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Business Income and Extra Expense - Newly Acquired Premises
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$500,000
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Business Income and Extra Expense - Dependent Property
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Additional $15,000
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Claim Data Expense
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$10,000
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Computer Fraud
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$10,000
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Electronic Data Processing Equipment (Off Premises)
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Additional $25,000
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Limited Building Coverage - Tenant Obligation
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$10,000
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Lost Key Consequential Loss
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$500
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Newly Acquired or Constructed Business Personal Property Additional
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$250,000
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Ordinance or Law - Demolition and Increased Cost of Construction
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$25,000, including Tenant Improvements or Betterments
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Ordinance or Law - Increased Period of Restoration
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$50,000
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Outdoor Trees, Shrubs, Plants and Lawns Additional
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$2,000
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Spoilage
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$50,000
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Theft of Gold, Silver, Platinum, Alloys and Metals
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Included in BPP Limit up to $25,000
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Unauthorized Business Credit/Debit Card Use
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$5,000
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Utility Services - Direct Damage
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$2,500
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Utility Services - Time Element
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$25,000
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Valuable Papers and Records
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Additional $100,000
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Key Coverage Definitions
Accounts Receivable - Covers the reconstruction of your records and reimbursement of uncollectible money from your customers due to a covered cause of loss.
Black Bag - Provides coverage for direct physical loss to medical property, including mysterious disappearance, away from the described premises listed in the declarations.
Business Income - Daily Limit Option - Provides an alternative valuation for short-term losses, reimbursing you for your lost time, even if clients are rescheduled.
Business Income and Extra Expense - Dependent Property - Provides an additional $15,000 over the base policy in the event that your business income is reduced because of damage to a critical supplier or customer's property.
Lost Key Consequential Loss - Provides up to $500 per premise for replacement of locks and keys in the event a key is accidentally lost.
Unauthorized Business Credit/Debit Card Use - Provides up to $5,000 reimbursement in the event your business credit or debit cards are fraudulently used.
Utility Services - Time Element - Reimburses you for your lost income during an interruption of electrical or water supply services.
CNA Small Business currently offers a market for a broad variety of businesses besides Healthcare including: Financial Institutions, Professional Services, Business Services, Technology, Retail, Real Estate, Wholesalers and Manufacturing.
Coverage are BOP, Workers Compensation, Commercial Automobile, and Umbrella and Miscellaneous Professional Liability.
For more information, log into www.bigimarkets.com and click on Small Commercial or contact Big "I" Markets commercial underwriter Tom Spires at tom.spires@iiaba.net or (800) 221-7917 x5470.
This market is available in all states except AK, FL, HI & LA.
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SPECIAL FEATURE
Swiss Re Tops P&C Carriers For Mitigating Risk
 We're proud to share some good news about an accolade our Big "I" Professional Liability partner Swiss Re Corporate Solutions has received.
National Underwriter's at Risk Manager Choice Awards is a national survey conducted by Flaspöhler, part of NMG Consulting. It recognizes the "top" Property & Casualty carriers named by risk professionals in their efforts to mitigate exposures.
Swiss Re Corporate Solutions has scored the HIGHEST on eight overarching critical factors seen as vital to risk managers. SRCS also took top honors in several individual factors including Claims Handling, Financial Value, and International Capability.
Thank you to our valued partner Swiss Re Corporate Solutions and to our loyal clients for being part of our 30+ year program, the strongest and most stable in the industry.
Not currently with our program? You can protect your agency and staff with an E&O policy that works as hard as you do! To learn more about the newest policy enhancements or to get a premium indication, at contact your state E&O program manager.
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Byzantine Banks Made Easy
 The Byzantine Empire was the continuation of the Roman Empire in the east during Late Antiquity and the Middle Ages. The difficulties of administering an expanding empire led to a complex and opaque system of government that no one who had not grown up inside it had much hope of understanding. "Byzantine" is now a general term used to describe any overly complex system.
Covering Community Banks might seem Byzantine. Unique coverages and ever-shifting regulations alone are daunting enough to scare off many agents. Fortunately for you, Travelers understands that few agents have the extensive knowledge about banks that they have accumulated so they will walk with you through the entire operation, explaining the process and details of coverages. They will even go with you to pitch the coverage to the client. You don't have to fear offering Community Bank coverage. You are not alone because Travelers is there to guide you every step of the way.
Community Banks need coverages that can keep up with diverse and changing responsibilities and Travelers® has been serving banks since 1890.
Critical Policy Features:
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Directors and officers liability, with excess directors and officers individual coverage
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Crime
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Employment practices liability
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Bankers professional liability
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Trust errors and omissions liability
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Lender liability
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Fiduciary liability
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Financial institution bond
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Kidnap and ransom
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General liability, auto liability and physical damage as well as workers compensation and property
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CyberRisk protection
A specimen policy is located in "Product Resources" on www.bigimarkets.com.
Travelers SelectOne®, underwritten by Travelers Casualty and Surety Company of America, is endorsed by the Independent Community Bankers of America.
To find your local community bank, visit ICBA's community bank locator at www.icba.org/locate. Simply type in your zip code and the app will show you all the community banks in your area.
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BIM Website Training Webinar
Big "I" Markets
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Date: Thursday, November 30
Time: 2:00 - 2:30 p.m. EDT
Cost: Free
Summary:
For all you folks who recently registered for Big "I" Markets, remember you can participate in a webinar from the comfort of your office to help you learn how to navigate around the system. Every Thursday at 2:00 p.m. EDT we'll show you how to navigate the Big "I" Markets platform, including how to submit a quote! A recording of this webinar can be found under "Publications" after logging into Big "I" Markets.
Registration:
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BIG "I" MARKETS SALE OF THE WEEK
Congratulations to our agent in Massachusetts on a Small Commercial sale of $10,057 in premium!
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