The Protector Plans Executive Liability (PPEL) program offers Primary and Excess Management and Professional Liability coverage for private and not-for-profit companies. Supported by a team of seasoned underwriters, product specialists and claims professionals, and backed by an A (XV) rated carrier, PPEL delivers tailored solutions across a broad spectrum of industry classes.

• Policy features: Duty to defend, no “hammer clause”, non-rescindable coverage, right to settle within retention without insurer consent and automatic coverage for mid-term acquisitions.
• Directors and Officers Liability: Offers additional limits for executives, sub limits for derivative demand investigations, asset protection costs, executive PR costs, pre-claim expenses and more.
• Employment Practices Liability: Coverage extends to independent contractors and offers sub limits for crisis management reimbursement, illegal hiring or harboring wrongful acts, workplace violence and wage & hour defense.
• Fiduciary Liability: Covers certain fines and penalties imposed by ERISA, HIPAA and more. Offers sub limits for voluntary settlement program costs, crisis management reimbursement and some foreign penalties.
• Employed Lawyers: Coverage includes malicious prosecution and abuse of power. Sub limits are available for general counsel replacement reimbursement, subpoena defense expenses and more.
• Crime: Provides loss-discovered coverage, protection against social engineering fraud and theft involving employees and independent contractors. Optional personal account protection available for forgery or alteration, identity fraud and ownership interest carve back.
• Miscellaneous Professional Liability: Covers personal injury and non-monetary damages defense expenses. Offers sub limits for disciplinary proceedings and optional coverage for loss of earnings, media liability, subpoena assistance, tenant discrimination and more.
• Limits available: Up to $5 million per coverage section.
• Eligible risks: Up to 2,500 employees / $750M in revenue / $750M in assets.
• Exclusions: Public companies, financial institutions, cannabis and HOA/COA risks.
• In-house claims handling: Claims are processed internally by Protect Professionals Claims Management for streamlined and responsive service.

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Admitted Excess: Nationwide | Admitted Primary: Nationwide, except AK, HI, ID, IL, NY and VA | Non-Admitted Primary and Excess: Nationwide