Biggest Food Borne Illness Event Since 1924!

QUICK LINKS:  Recall Application  Our Website Timeline of Events -  Other Recalls in 2011     Listeria Outbreak - Cantaloupe Recall  A major cantaloupe farmer had to recall their entire 2011 cantaloupe harvest including more than 300,000 cases distributed from July 29th through Sept. 10th across 25 states. There were 146  ill persons reported, including 30 deaths and 1 miscarriage. Since then, the cantaloupe farmer has been trying to recover and restore their brand. They want their product vindicated and to dissolve the stigma around cantaloupes that has been noted as being the biggest food borne illness outbreak since 1924.

Do your clients have the capacity to deal with the loss of revenue (profits) and the extra expenses associated with this kind of event?   Recall Crisis Recovery (RCR) Policy is the solution! This Recall Policy is Triggered from any of the Following: Accidental Contamination Malicious Contamination Products Extortion Policy Features: Limits up to $5M Reimbursement Coverage for Loss of Profits, Extra Expense, Crisis Management & Rehabilitation Expenses (Brand Restoration)  Insured’s Customer’s Loss of Profits also available and more…  ALLEVIATE YOUR CLIENTS FEARS KNOWING THERE IS COVERAGE AVAILABLE  Contact us today for more information on our Recall Coverage and speak directly to an underwriter!    Do your clients have the proper resources and techniques to handle the onslaught of the media, customers and governmental agencies when there is a recall event?     PLUS… Included in this policy is a Nationally Ranked and Certified Crisis Management Team available 24/7 to assist in a recall crisis.   Speak to live representatives on issues including prevention of media events, how to deal with governmental agencies,  guidance with making detrimental decisions and more!

E&O Coverage Enhancements!

Errors & Omissions Coverage PLIS, Inc. has been offering Errors and Omissions Coverage for over 12 years. The PLIS Errors & Omissions Policy includes the following coverage features at NO ADDITIONAL PREMIUM: Supplemental Payments* Pays up to $15,000 per policy period, and includes loss of Earnings (up to $500 per insured per day). No deductible applies! Disciplinary Proceedings* Pays defense costs up to $10, 000 per policy period.   No deductible applies! Deductible Reduction/Credits*  If a claim is settled without litigation, arbitration, mediation or court mandated proceedings, the deductible will be reduced by 75%! If a claim is settled through mediation (other than court mandated mediation), the deductible paid will be reimbursed up to 50%!   Insureds have free, unlimited telephone access to Specialty Risk Management, Inc. (SRM). SRM is a certified and experienced loss control consultant team, available to provide real time responses throughout the policy period relating to: Client relations assistance Company document review (Agreements, Contracts, Policies, Procedures, Disclaimer language)   Loss control procedures for documentation and communication *All terms, conditions, limits and coverage features are still subject to individual underwriting and certain coverage features may be restricted. This flyer does not amend, extend or alter any coverage afforded by any policy.  Not intended to be a representation of coverage or a guarantee of a quote or indication. See policy wording for details.  © Copyright 2012.  PLIS, Inc.®  All Rights Reserved.

TNR Program – New Coverage Feature Available!

BUSINESS INTERRUPTION & EXTRA EXPENSE POLICY FOR FOOD BORNE ILLNESS OUTBREAKS – EXPANDED TO COVER DATA BREACH EVENTS NEW!!! THEFT OF PRIVATE CUSTOMER & EMPLOYEE DATA ENDORSEMENT COVERAGE RESPONDS TO: Customer Data Breach Events Employee Data Breach Events Impact from Publicity of a Data Breach Event involving the same Trade Name Credit Card Forgery Events Credit Card Slip Theft, Disappearance or Destruction COVERAGE PROVIDES: Business Interruption Incident Response Expenses (extra expenses), including: Cost of marketing efforts Costs of a computer expert to investigate cause of event Costs for mailing courtesy notifications to customers or employees (when notifications are not required by law) Other mitigation related expenses For Credit Card Forgery and Credit Card Slip Theft, Disappearance or Destruction Events, expenses include: Payments or credits to customers Debits or charge backs assessed by credit card companies    BUSINESS INTERRUPTION & EXTRA EXPENSE POLICY FOR FOOD BORNE ILLNESS OUTBREAKS COVERAGE RESPONDS TO: Food Borne Illness, Accidental & Malicious Contamination Impact from Publicity of an actual or alleged outbreak involving the same Trade Name Extortion Threats COVERAGE PROVIDES: Business Interruption Incident Response Expenses (extra expenses), including: Cost of marketing efforts Overtime of regular staff Cost of hiring temporary replacement staff Cost to remove contaminated product from restaurant   EXPERT & IMMEDIATE CRISIS MANAGEMENT ASSISTANCE!   Specialty Risk Management, Inc. (SRM) is the oldest active running hotline and has a 95% success ratio in preventing media events.   SRM is a 24/7 highly experienced & qualified crisis management team with over 100 years of industry-specific experience necessary to assist with the issues that uniquely face your business.     This includes, but is not limited to experience in pathology, microbiology, marketing, communication and regulatory requirements.

Bed Bugs Attack X Factor Singers

First and Third Party Bed Bug Coverages

New Bed Bug Coverage Forms Available for Lodging/Habitational Facilities 

Developed by:

PLIS, Inc.® – Underwriting Facilities

From loss of revenues to defending liability claims, we have created two NEW coverage forms necessary to address your lodging/habitational client’s ever-growing exposures associated with bed bug events.

 

 

First Party Coverage 

First- Ever Bed Bug Infestation Recovery (BBIR)  

This program is designed to cover the loss of lodging revenue and extra expenses associated with bed bug infestations.

 *Policy Features Include:

• Loss of lodging revenue (business interruption) – no deductible
• Rehabilitation expenses (extra expense) – no deductible, also include:
  - Cost of marketing efforts
  - Overtime of regular staff
  - Other mitigation related expenses

• Decontamination expenses for affected lodging room and lodging rooms immediately adjacent to affected lodging room – for the first $5,000 – no co-insurance applies (10% co-insurance applies after the first $5,000)
• Expert and immediate crisis management services, including:
• 24/7 customer/crisis information line
• Assistance with regulatory authorities and regulatory requirements
• Assistance with community reputation, effective marketing and media control
• Costs of cleaning, decontaminating or exterminating affected customer’s homes – no deductible
• First aid administered to customers onsite – no deductible
• Extortion threat payments – no deductible
• No waiting period / No loss threshold required to trigger coverage
• Up to six month period of restoration / rehabilitation available 
• Certain Underwriters at Lloyd’s (AM Best Rated A) 

First-Ever Bed Bug Liability Policy(BBL) 

This program addresses the growing exposure of liability associated with bodily injury arising from bed bug events. 

*Policy Features Include:

• Claims arising from bodily injury due to a bed bug event
• Claims made & reported policy
• Pay on behalf/duty to defend
• Punitive & exemplary damages (where insurable)
• Supplementary payments (up to $10,000)
• Insurable limits up to $1 million/$5 million
• Risk management included
• Certain Underwriters at Lloyd’s (AM Best Rated A)

Specialty Risk Management Available for Insureds 

Each policy holder receives live assistance with bed bug issues from Specialty Risk Management, Inc.® (SRM®), a loss control consulting company. Insureds have free, unlimited telephone access to SRM as a resource throughout the policy year.

PLIS, Inc. Offers New Bed Bug Liability Insurance

PLIS, Inc. – Underwriting Facilities Develops New Bed Bug Liability Program

¬Over the last 5 years, reports of confirmed bed bug events have skyrocketed, causing the general publ¬ic to panic and take extreme measures to rid themselves of these pests. Bed bug events have become such a hot-topic in the media it is no surprise to see the up-turn in bed bug related litigation. General Liability/Commercial insurance carriers have declined to cover this exposure leaving the hospitality and lodging industries to finance this litigation from their own revenues.

In March 2006, a woman staying at a New York hotel claimed she awoke with more than 600 bed bug bites all over her body. She described the feeling as being “on fire” and wanting to tear her skin off. This case is being considered a “landmark” case for bed bug litigation with a demand of $20 Million!

PLIS, Inc.® – Underwriting Facilities, an innovative industry leader in new and unique product development, introduces the first-ever Bed Bug Third-Party Liability Insurance Program for the hospitality and lodging industries. This program addresses the growing exposure of liability associated with bed bug events.

Program features:

- Claims Arising from Bodily Injury due to a Bed Bug Event (Cimex Lectularius/Cimex Hemipterus)
- Claims Made & Reported Policy
- Pay on Behalf/Duty to Defend
- Punitive & Exemplary Damages (where insurable)
- Supplementary Payments (up to $10,000)
- Insurable Limits up to $1M/$5M
- Risk Management Assistance
- Certain Underwriters at Lloyd’s (A.M. Best Rated A)

Each policy holder receives live assistance with bed bug issues from Specialty Risk Management, Inc.® (SRM®), an experienced loss control consulting company. Insureds have free, unlimited telephone access to SRM as a resource throughout the policy year.

For more information on this program, contact PLIS, Inc. at 800-761-7547 or underwriting@plisinc.com

NEW COVERAGE! Bed Bug Infestation Insurance (Business Interruption and Extra Expense)

NEW COVERAGE! BED BUG INFESTATION RECOVERY INSURANCE TM(BBIR) TM    Bed bug infestations are becoming a national epidemic, racking up expenses and devastating profits.  According to the National Pest Management Association, 95% of U.S.-based pest management companies have seen an increase in bed bug calls in the past year (from 1-2 per week to 1-2 per day). For years lodging facilities have faced this exposure alone and uncovered. PLIS is proud to introduce the first business interruption and extra expense coverage for bed bug infestations for lodging facilities.   Coverage Responds To: Confirmed bed bug infestations* in lodging rooms Impact from publicity of a confirmed bed bug infestation at the Affected Covered Location Extortion Threats    *Coverage applies to infestations of cimex lectularius and cimex hemipterus   Coverage Provides: Business Interruption – Loss of Lodging Revenue Rehabilitation Expenses (Extra Expenses):  Cost of marketing efforts Overtime of regular staff Other mitigation related expenses Decontamination expenses for affected lodging room Decontamination expenses for lodging rooms immediately adjacent to affected lodging room Costs of cleaning, decontaminating or exterminating affected customer’s homes First aid administered to customers onsite Extortion Threat Payments Expert & Immediate Crisis Management Assistance Additional Program Features:   NO DEDUCTIBLE applies to Loss of Lodging Revenue NO DEDUCTIBLE applies to Rehabilitation Expenses NO DEDUCTIBLE applies to Crisis Management Expenses NO DEDUCTIBLE applies to Extortion Threat Payments NO DEDUCTIBLE / CO-INSURANCEapplies to the first $5,000 of Decontamination Expenses (10% co-insurance applies after first $5,000 paid per period of insurance) NO waiting period / NO loss threshold required to trigger coverage Up to 6 months period of restoration / rehabilitation available Broad range of limits available

Expert & Immediate Crisis Management Proactive, well coordinated and cohesive operating team with solutions specific to client’s needs 24/7 Crisis Management Assistance The longest running crisis response center  with certified staff (HACCP, ARM, CRM, PHR, SPHR) and expertise in: Public health laws, HIPAA privacy laws and the mechanics of Public Health Response systems including local and state Health Departments and the CDC. SRM has the ability to translate technical concepts into actionable crisis management response activities Structuring responses for the business interruption of a negative media event while being sensitive to associated issues regardless of the fact that it is not a liability policy. SRM can help improve the outcomes in related areas of: Liability exposure Director and Officer issues Employment Practice Liability issues Sarbanes Oxley requirements Ability to harness the above knowledge to help anticipate, prepare, and respond to an evolving and associated media event including reducing and rebuilding community relationships. Professional Liability Insurance Services, Inc.® Underwriting Facilities 800-761-7547 www.plisinc.com underwriting@plisinc.com This is not a liability policy. All terms, conditions, limits and coverage features are still subject to individual underwriting and certain coverage features may be restricted. This flyer does not amend, extend or alter any coverage afforded by any policy.  Not intended to be a representation of coverage or a guarantee of a quote or indication. See policy wording for details. Copyright © 2011 PLIS®, Inc. and its licensors. All rights reserved.