FM3 RESEARCH INSURANCE COVERAGES AND LIMITS
(Updated May 22, 2025)
This document is intended to assist those drafting a contract or letter of agreement with Fairbank, Maslin, Maullin, Metz & Associates, Inc. (FM3) by providing pertinent details about the kinds of insurance FM3 maintains.
INSURANCE (PROPERTY AND BUSINESS LIABILITY)
Carrier: Sentinel Insurance Company LTD (The Hartford Group) Rating: A XV
Broker: O’Kane & Tegay Insurance Brokers
Commercial
General Liability:
$1,000,000 (each occurrence)
$10,000.00 Medical Expense (any one person)
$1,000,000 Personal and Advertising Injury
$1,000,000 Damages to Rented Premises (fire, lightening, explosion) $2,000,000 General Aggregate (per policy period)
$2,000,000 Products/Completed Operations Aggregate
Automobile
Liability:
$1,000,000 Hired/Non-Owned Auto Liability
(We do not own our own vehicles, and therefore, do not have “owned” auto liability insurance)
Umbrella/Excess
Liability:
$4,000,000 (each occurrence)
$4,000,000 Aggregate (per policy period)
INSURANCE (PROFESSIONAL LIABILITY, AKA ERRORS AND OMISSIONS) Carrier: Bridgeway Insurance Company
Rating: A
Broker: O’Kane & Tegay Insurance Brokers
Professional
Liability Standard
Form
Policy Limits
$2,000,000 (each occurrence)
$4,000,000 (annual aggregate)
$25,000 (deductible)
12100 Wilshire Boulevard, Suite 350 | Los Angeles, CA 90025 2054 University Ave., Suite 600 Berkeley, CA 94704 Phone: (310) 828-1183 | Fax: (310) 453-6562 Phone: (510) 451-9521 | Fax: (510) 451-0384 FM3 Research Insurance Coverages and Limits Effective 2-21-2025
INSURANCE (WORKERS COMPENSATION)
Carrier: Hartford Casualty Insurance Company
Broker: O’Kane & Tegay Insurance Brokers
Rating: APolicy Limits: $1,000,000 Bodily Injury by Accident (each accident) $1,000,000 Bodily Injury by Disease (policy limit)
$1,000,000 Bodily Injury by Disease (each employee)
INSURANCE (Cyber Liability)
Carrier: Coalition Insurance Company
Broker: O’Kane & Tegay Insurance Brokers
Rating: APolicy Limits: $1,000,000 Cyber Liability
(And see attached sample certificate of workers compensation insurance)