Additional Coverages

Add an extra layer of protection to your agency E&O coverage with an agency umbrella or with EPLI coverage.

Commercial Umbrella: Protect your businesses by adding protection from gaps or exclusions through an affordable commercial umbrella. Among other things, commercial umbrella coverage provides increase limits of financial protection to your business from unexpected risks, and increases your liability protection should a lawsuit max out the limits of your E&O coverage. Contact Brenda Connell for a quote.

Employment Practices Liability Insurance (EPLI): EPLI offers broad policy coverage for discrimination, harassment, and inappropriate employment conduct, including hostile work environment, failure to hire or promote, wrongful demotion, negligent evaluation, deprivation of career opportunity, retaliation, wrongful discipline, libel, slander, defamation of character, and invasion of privacy. Our EPLI program is underwritten by HCC Specialty, a company with an excellent reputation for reliability, service, expertise, and flexibility. Most submissions receive a response within 24 hours, and policies are issued within a few days of binding.

To apply, download and complete the application, then send it via e-mail, mail, or fax to FMS, to the attention of Joan Schim.