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Differentiated Broking Solutions – Tech, Media and Telecom

Unique insurance solutions that provide clients with elevated terms and conditions, access to improved services, coverage enhancements and optimal claims outcomes.

Overview

The Tech, Media and Telecom DBS is designed to have a primary emphasis on clients in the following industries:

  • Electronics, Hardware and Semiconductor
  • Internet, Data Networking and Telecom
  • Media-Print, Media-Broadcast, and Media Advertising
  • Software and Tech Services

It provides coverage for the core Property and Casualty lines of business:

  • Property
  • General Liability
  • Business Auto
  • Workers Compensation
  • Umbrella

Coverage Enhancements

DBS consistently delivers standardized elevated coverage to our clients. Below are just some of the many enriched coverages DBS provides.

  • Extended Notice of Cancellation for all lines
  • Blanket Additional Insured and Blanket Waiver on Casualty lines
  • Unintentional Errors and Omissions and Broadened Notice and Knowledge of Occurrence included on all lines

Property:

  • The TMT DBS provides increased property sub-limits including:
    • $1M limit for Contingent Time Element
    • $100K limit for Electronic Vandalism
    • $2.5M- $500k limit for Miscellaneous Unnamed locations
    • $100k Limit for Exhibitions
    • $500k - $1M Off-Premises Service Interruption- Direct Damage including Overhead Transmission Lines
    • $100k Supply Chain Disruption
    • $50k Technology Service Provider
    • $250k Spoilage – Equipment Breakdown per premises
    • $5M limit for Newly Acquired Premises- Real Property

Enhanced coverage endorsements for casualty lines including:

General Liability:

  • Professional Liability Exclusion carve back for Bodily Injury/Property Damage
  • Incidental Medical Malpractice
  • Personal and Advertising Injury includes libel and slander
  • Product recall expenses available upon request (Typical limit $100k)
  • General Aggregate per location/per project
  • Primary Non-Contributory included in General Liability and
  • Incidental Med Mal and Primary NonContributory included

Auto:

  • Minimum of $250 per Disablement on Towing and Labor
  • Employees as Insureds and Employees Hired Autos
  • Ability to negotiate higher CSL available
  • Composite rating available for accounts with larger fleets
  • No glass deductible
  • Tapes, Records, Discs Coverage

Workers Compensation:

  • Several carriers have the ability to offer Guarantee Cost, Large Deductibles, Retros, Captive programs, Structured deductible programs, Integrated deductible programs, as well as rating based on Employee headcount
  • Alternate Employer Endorsement
  • Stop Gap Coverage
  • Voluntary Compensation

Umbrella:

  • Up to $25M Capacity
  • Drop down over exhausted underlying aggregates
  • Excess Employee Benefits Liability coverage
  • Pay on behalf coverage form
  • Foreign and Professional Liability carve back for bodily injury and property damage included in if applicable on underlying
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