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Property Coverage -

• Broad Coverage Extensions                                 
• Specially Designed Coverage
• No Coinsurance Penalty
• Non-Auditable
• Simplified Policy Language
• Unintentional Errors and Omissions

Crime -

• Employee Dishonesty

• Forgery or Alteration

• Theft, Disappearance, Destruction

• Computer Fraud

General Liability -

• All Occurrence Policy Form

• Employment Practices Liability

• Wrongful Acts

• Sewer Line Break or Backup

• Pollution Coverage arising out of  Weed and Pest Abatement

• Pollution Coverage arising out of  Chemical Release - Water Treatment Only

Automobile Coverage -

• Hired Auto

• Medical Payments

• Non-Owned Auto

• Physical Damage

• Uninsured and Underinsured Motorist Liability

Excess Liability Coverage -

• Occurrence Based

• AAIC Proprietary Following Form Policy

• High Limits Up to $10 Million Aggregate

ORWA 2008 Annual Conference Pictured L - R Dave Camp, Renee Shotwell & Cindy James