Occurrence Policy

An occurrence policy covers you for any incidents that happen while you are insured by the policy, regardless of when the claim was 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, Colorado, Louisiana, Michigan, Minnesota, New Jersey, New Mexico, Oregon

Rate Area D: California

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, 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

California

Occurrence Coverage - Rate Area D
Limits Each Incident/Aggregate 200K/200K 500K/500K 1M/1M 1M/3M 1M/4M 1M/5M 1M/6M 2M/4M
1. Per Psychologist 1,074 1,249 1,621 1,823 1,888 1,945 1,993 2,133
2. Per Non-Psychologist * 340 395 541 578 598 616 631 676
3. Per Additional Insured 27 32 41 46 47 49 51 53
4. Per Independent Contractor 74 87 100 106 116 120 123 123

* 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 - Insurance provided by ACE American Insurance Company, Philadelphia, PA and its U.S.-based Chubb underwriting company affiliates. Program administered by Trust Risk Management Services, Inc. The product information above is a summary only. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit new.chubb.com. Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index.