Please contact your broker or agent for a current copy of your Memorandum of Coverage.

The limits and coverages shown here are brief overviews of the coverages represented by the CIAW insurance program.  The terms and conditions offered may differ from your prior policy and from what you requested in your submission.  This document is not intended to be used as a direct reflection of all coverages or to replace or alter the policies in any way.

General Liability

Commercial general liability, personal and advertising injury liability, products and completed operations, damage to leased or rented premises,  fire legal liability, employee benefits liability, stop gap – employers liability, and abuse and molestation liability

Commercial Property

Earthquake, flood, business income with extra expense, electronic data processing, newly acquired or constructed property, and valuable papers / accounts receivable

Business Auto

Automobile liability, underinsured motorist, non-owned / hired auto liability, garage-keepers liability, auto physical damage, and hired auto physical damage

Wrongful Acts

Directors and officers liability, errors and omissions, employment practices liability, and sexual harassment

Miscellaneous Professional Liability

Counselors, Therapists, Nurses, EMTs, Paramedics, and Psychologists


Employee dishonesty, forgery and alteration, and theft, disappearance, and destruction

Equipment Breakdown

 Includes Property Damage, Business Income, and Extra Expense