Optional Coverages
  1. CSI Broadening Endorsement –  incorporates the following coverage enhancements:
      1. Blanket Additional Insureds – Vendors: automatically extends additional insured status for vendors.
      2. Blanket Waiver of Subrogation:  automatically waives CSI’s right to subrogate against another party, if the named insured agrees to waive such rights in a written contract.  The contract must be signed before the injury or damage occurs.
      3. Products Withdrawal Expense -$100,000 limit:  provides coverage for expenses incurred in the withdrawal from the market of the policyholder’s product.   The withdrawal must be a response to a known or suspected defect in the policyholder’s product or to an incident of product tampering.
      4. Employee Benefits Liability Coverage: provides coverage for the employer for an error or omission in the administration of an employee benefit program.  Limits provided are $1,000,000 each employee; $1,000,000 aggregate.
      5. Limited Pollution Liability for a Short Term Pollution Event - $100,000 limit:  the present CSI policy provides Pollution Coverage resulting from a hostile fire, and for bodily injury within the products hazard.  This gives additional coverage for on and off-site coverages for third party property damage triggered by pollution.
  2. Non-Owned Automobile Liability:offered to policyholders that do not own or lease any vehicles and thus, do not have a Business Automobile Policy

  3. Stop Gap Liability: provides employers liability insurance for policyholders operating in the “monopolistic” states of North Dakota, Ohio, Washington, and Wyoming.

  4. Additional Insured Status for Specified Relationships: specific endorsements are available to provide additional insured status to various entities as required due to a contractual agreement and/or business relationship.

  5. Coverage for Certified Acts of Terrorism: provides coverage for a terrorist act that is certified by the Secretary of the Treasury under the Terrorism Risk Insurance Act (TRIA).
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Disclaimer:  The above description is a presentation to highlight and cannot serve as a substitute for actual insurance contracts.  Further clarification of coverages, conditions and/or exclusions must be obtained from the specific insurance contracts.