|  | Program
                  Features A++
                  rated
                  national insurer, a pioneer in the field with ten years of
                  experience handling claims!Flexible: 
                  a wide range of limits and deductibles are available
 Covers claims by either employees or
                  independent contractors!
 Covers claims by customers
                  and others alleging harassment or discrimination by couriers.
 Broad definition of covered Employment Practices
 You have the primary choice of counsel (so you can use
                  someone local who you trust!)
 Full Prior Acts, Intentional Acts, Punitive Damages coverage.
 More than insurance - includes unique Loss
                  Prevention Kit and advisory services
 
 
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