Traumatic Event Expense Coverage
 

Effective July 1, 2021, we are introducing a new coverage offering--Traumatic Event Expense Coverage, which covers expenses for counseling and public relations services following a traumatic event.  This coverage has an event limit of $10,000 and an annual aggregate of $100,000.
 

Crisis Event Expense Coverage
 

In addition to the new coverage, we have also made some enhancements to our existing Crisis Event Expense Coverage. The coverage changes, effective July 1, 2021 are:

• • Removing Each Crisis Limit
• • Increasing the Each Person Limit to $25,000
• • Increasing the Death Benefit to $15,000

In today’s world, situations can occur on school or college grounds that could result in the need for crisis counseling or public relations services.  Utica National policyholders who experience a covered event may be eligible for these coverages under the above endorsements*.
 

While policyholders are permitted to choose who they want to provide such services, Utica National has partnered with Empathia, Inc. for onsite or virtual crisis counseling and The Castle Group for assistance with public relations services.
 

Who to contact?
 

Crisis counseling services will be available to our policyholders through Empathia, Inc. Schools can call 877-845-1721 to request services. Visit https://www.empathia.com/ for more information.
 

Crisis Public Relations services will be available to our policyholders through The Castle Group. Policyholders can call Castle Director of Crisis Communications Philip Hauserman at 404-808-5531 or Castle Principal and Co-Founder Sandy Lish at 617-285-5878 to request services. Visit https://www.thecastlegrp.com/crisis-communications/ for more information.

Limited Pollution Liability Coverage**

limits will be available up to $1,000,000

Backup of Sewer and Drains Coverage

limits will be available up to $5,000,000


*No coverage is provided by this summary. All coverages are individually underwritten. Coverage availability, limits, terms, and conditions are dictated by the policy and may vary by state. In the event of a loss, the terms of the policy issued will determine the coverage provided. For questions on coverages, contact your independent agent.
 

**All proposed changes are subject to state approval and appropriate premium charges which will be included in renewal pricing.

Don’t forget about our other recent enhancements:

Cyber Suite**

• Aggregate limits up to $5,000,000***

• Extortion limits up to $1,000,000***

Abuse and Molestation Public Relations Expenses

• Coverage for investigation costs and fees paid to an independent public relations agency up to $10,000 per incident

Automatic Builders Risk for no additional charge

• Coverage for shop class projects for newly constructed buildings up to $1,000,000
   
• Up to $100,000 coverage for theft of building materials and supplies for your new buildings while under construction on your premises

Educational Institution Coverage Endorsement Enhancement

• Pollution coverage for pools applies to incidents involving swimming pool chemicals

Individualized Education Program (IEP) Enhancement

• Increased optional limits available for a charge

Yard and Outside Property in the Open

• Increased optional limits available for a charge

**Increased Cyber Suite Limits are subject to state approval for NY

***Subject to underwriter review and approval