Occurrence Policy

An occurrence policy covers you for any incidents that happen while you are insured by the policy, regardless of when the claim may be filed.

Rate Area A: Alabama, Alaska, Arkansas, Connecticut, Delaware, Hawaii, Indiana, Iowa, Kentucky, Maine, Massachusetts, North Dakota, Oklahoma, Rhode Island, South Carolina, Utah, Vermont, West Virginia, Wyoming

Rate Area B: District of Columbia, Florida, Georgia, Idaho, Illinois, Kansas, Maryland, Mississippi, Missouri, Montana, North Carolina, Nebraska, Nevada, New Hampshire, New York, Ohio, Pennsylvania, South Dakota, Texas, Tennessee, Virginia, Washington, Wisconsin

Rate Area C: Arizona, California, Colorado, Louisiana, Michigan, Minnesota New Jersey, New Mexico, Oregon

Alabama, Alaska, Arkansas, Connecticut, Delaware, Hawaii, Indiana, Iowa, Kentucky, Maine, Massachusetts, North Dakota, Oklahoma, Rhode Island, South Carolina, Utah, Vermont, West Virginia, Wyoming

Occurrence Coverage - Rate Area A
Limits Each Incident/Aggregate 200K/200K 500K/500K 1M/1M 1M/3M 1M/4M 1M/5M 1M/6M 2M/4M
1. Per Psychologist 582 676 878 989 1,023 1,054 1,080 1,157
2. Per Non-Psychologist * 234 270 352 396 410 422 433 463
3. Per Additional Insured 51 58 68 72 79 82 84 85
4. Per Independent Contractor 19 21 28 31 33 34 35 37

District of Columbia, Florida, Georgia, Idaho, Illinois, Kansas, Maryland, Mississippi, Missouri, Montana, North Carolina, Nebraska, Nevada, New Hampshire, New York, Ohio, Pennsylvania, South Dakota, Texas, Tennessee, Virginia, Washington, Wisconsin

Occurrence Coverage - Rate Area B
Limits Each Incident/Aggregate 200K/200K 500K/500K 1M/1M 1M/3M 1M/4M 1M/5M 1M/6M 2M/4M
1. Per Psychologist 717 832 1,080 1,215 1,259 1,296 1,329 1,421
2. Per Non-Psychologist * 310 361 469 529 547 563 577 619
3. Per Additional Insured 68 79 91 97 106 109 112 113
4. Per Independent Contractor 25 29 37 42 44 45 46 49

Arizona, California, Colorado, Louisiana, Michigan, Minnesota New Jersey, New Mexico, Oregon

Occurrence Coverage - Rate Area C
Limits Each Incident/Aggregate 200K/200K 500K/500K 1M/1M 1M/3M 1M/4M 1M/5M 1M/6M 2M/4M
1. Per Psychologist 1,227 1,427 1,852 2,083 2,158 2,223 2,278 2,438
2. Per Non-Psychologist * 389 451 587 660 683 704 721 773
3. Per Additional Insured 85 99 114 121 133 137 140 141
4. Per Independent Contractor 31 37 47 52 54 56 58 61

* Does not include clerical employees

Rates subject to change

Effective 8/1/1999

Licensed Producer - Heath Benas, CA #0D95636, FL #E013597
Principal Place of Business - Maryland
Insurance Carrier - Underwritten by ACE American Insurance Company, Philadelphia, PA. ACE USA is the U.S.-based retail operating division of the ACE Group headed by ACE Limited (NYSE:ACE) and rated A++ (Superior) by A.M. Best and AA- (Very Strong) by Standard & Poor's. Administered by Trust Risk Management Services, Inc. Policy issuance is subject to underwriting.

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