Specialty Coverages

While a typical homeowners policy may cover an insured against the most common exposures, many of our clients require diverse coverages not afforded by a standard homeowners policy. For those times, Felton, Berlin & Erdmann can access a large portfolio of specialty products that will meet your individual needs.

Ancillary Insurance Products

• Employment Practices Liability
• Extended Not-For-Profit Board of Directors
• Mold Remediation
• Identity Theft
• Kidnap & Ransom
• Medical Repatriation
• Medical Evacuation
• Aviation / Jet Aircraft
• Farm & Ranch / Animal Mortality

Uncovering Potential Exposures

• Do you employ any domestic staff such as a nanny, caretaker, personal assistant or cook?
• Do you or any member of family serve as a director, officer or member of the board for a public, private or not for profit organization?
• Do individuals, other than your immediate family have access to, or operate your vehicles?
• Do you conduct business from your residence?
• Do you own a secondary residence?
• Is your home situated in a flood zone?
• Do you have an up-to-date inventory of all contents in your home?
• Do you maintain an accurate inventory of all your valuable possessions?
• Do you have recent appraisals or bills of sale for all valuable possessions?
• Do you have specialized insurance coverage for all items you collect?
• Do you own jewelry valued at over $5,000 that is currently not scheduled?
• Do you or any family member travel outside of the United States?
• Do you travel domestically of internationally more than three times per year?
• Does someone reside at or check on your residence daily while you are traveling?
• Do you have insurance coverage for personal security threats to you or your family?

We have assembled a list of questions to assist you in determining the unique needs of your clients. These questions are desinged to identify potential exposures and the appropriate insurance solution.