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Be Proactive - Be Prepared

Defense against false accusations of fraudulent, dishonest, or criminal acts.  JZA Affinity’s Management Liability Coverage provides defense costs for such accusations until it is finally adjudicated that a fraudulent act did indeed take place.

Antitrust accusations are a major concern for associations and the source of many Management Liability claims.  This policy provides coverage for claims alleging illegal price fixing, unfair competition, deceptive trade practices, and other similar activities.

Are your legal fees limited to the amount of your insurance policy?  Under this policy, the costs of defense fall outside the limits so the expenses of defending a claim will not decrease the limit of liability.

Are you aware of the impact of punitive damages?  Settlements for Management Liability cases involve not only actual damages, but also punitive damages.  Many policies specifically exclude coverage for punitive damages; with this policy, it is included (when permitted by state law).

What about coverage for incidents that have already occured?  Coverage for wrongful acts that occured prior to the beginning of the policy are included provided no one was aware of the claim before the policy was in force.