Differentiated Broking Solutions – Tech, Media and Telecom

Overview

The Tech, Media and Telecom DBS is designed to have a primary emphasis on clients in the following industries:

• Electronics, Hardware and Semiconductor
• Internet, Data Networking and Telecom
• Media-Print, Media-Broadcast, and Media Advertising
• Software and Tech Services

It provides coverage for the core Property and Casualty lines of business:

• Property
• General Liability
• Business Auto
• Workers Compensation
• Umbrella

Coverage Enhancements

DBS consistently delivers standardized elevated coverage to our clients. Below are just some of the many enriched coverages DBS provides.

• Extended Notice of Cancellation for all lines
• Blanket Additional Insured and Blanket Waiver on Casualty lines
• Unintentional Errors and Omissions and Broadened Notice and Knowledge of Occurrence included on all lines

Property:

• The TMT DBS provides increased property sub-limits including:
  • $1M limit for Contingent Time Element
  • $100K limit for Electronic Vandalism
  • $2.5M- $500k limit for Miscellaneous Unnamed locations
  • $100k Limit for Exhibitions
  • $500k - $1M Off-Premises Service Interruption- Direct Damage including Overhead Transmission Lines
  • $100k Supply Chain Disruption
  • $50k Technology Service Provider
  • $250k Spoilage – Equipment Breakdown per premises
  • $5M limit for Newly Acquired Premises- Real Property

Enhanced coverage endorsements for casualty lines including:

General Liability:

• Professional Liability Exclusion carve back for Bodily Injury/Property Damage
• Incidental Medical Malpractice
• Personal and Advertising Injury includes libel and slander
• Product recall expenses available upon request (Typical limit $100k)
• General Aggregate per location/per project
• Primary Non-Contributory included in General Liability and
• Incidental Med Mal and Primary NonContributory included

Auto:

• Minimum of $250 per Disablement on Towing and Labor
• Employees as Insureds and Employees Hired Autos
• Ability to negotiate higher CSL available
• Composite rating available for accounts with larger fleets
• No glass deductible
• Tapes, Records, Discs Coverage

Workers Compensation:

• Several carriers have the ability to offer Guarantee Cost, Large Deductibles, Retros, Captive programs, Structured deductible programs, Integrated deductible programs, as well as rating based on Employee headcount
• Alternate Employer Endorsement
• Stop Gap Coverage
• Voluntary Compensation

Umbrella:

• Up to $25M Capacity
• Drop down over exhausted underlying aggregates
• Excess Employee Benefits Liability coverage
• Pay on behalf coverage form
• Foreign and Professional Liability carve back for bodily injury and property damage included in if applicable on underlying

Carriers

• Chubb
• C.N.A.
• Hartford
• Sompo
• Travelers
• Zurich