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Miscellaneous Errors & Omissions Program (PLIS, Inc.)

PLIS Inc.

Errors And Omissions PLIS Professional Liability Professional Errors & Omissions Electronic Media Drones Personal Injury Coverage Property Damage + 1 more 50 states + DC

Description

SBE Miscellaneous E&O Program: Claims-made and reported form. Over 250 ratable classes. Coverage features include: First Dollar Defense for Disciplinary Proceedings ($150K Sublimit Available), First Dollar Subpoena Defense Coverage ($150 Sublimit Available), Incident Reporting Provision, Pay on Behalf / Duty to Defend Policy, Supplementary Payments, Personal Injury, Prior Acts Coverage Available. ...

Details

Has Pen

Carrier Information

Certain Underwriters at Lloyd's

Non-Admitted

Rating A

 

Rating By A.M. Best

 

Offered By

PLIS Inc.

7 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Preferred Gold Listing
ACCESS THREE (Berkshire Hathaway Company)

London Underwriters

Hotel Motel Landscape Gardening Tree Removal Restaurants Convenience Stores Bakery Repair Shops Gas Stations Insurance Agents E&O Bars 23 states

Description

Through London Underwriters you can access THREE which offers a simple, innovative, all-encompassing policy to fit the needs of small business owners. • One single policy, one bill, one number to call to file a claim • Berkshire Hathaway Direct Insurance Company. • A++ (Superior) Financial Strength Rating ...

Details

Appointment Required

Carrier Information

Dayana Garcia

Admitted

Rating A++

 

Rating By A.M Best

 

Offered By

London Underwriters

12 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Insurance Agent E&O

Access One80

Insurance Agents E&O Insurance Agents & Brokers Professional Liability 49 states

Description

New program for insurance agent E&O. Up to $2M limits. Minimum premium is $1200. Can include GL and property on broad form!

Details

$2M Maximum Premium

$50K Minimum Premium

Has Pen

Appointment Required

Carrier Information

Lloyds

Non-Admitted

 

Offered By

Access One80

8 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Environmental Contractors - Asbestos/Lead/Mold Abatement

Beacon Hill Associates

Environmental Contractors Contractors E&O Environmental Pollution Mold Professional Liability Lead Abatement Asbestos Abatement Abatement 50 states + DC

Description

Beacon Hill Associates has extensive experience writing asbestos/lead/mold abatement contractor accounts. We provide leading coverage from top environmental carriers with superior service and support. For abatement contractors, Beacon Hill can offer: GL/Contractors Pollution/Professional, Workers Compensation, Auto, and Excess. Packages can also ...

Carrier Information

Admitted

Non-Admitted

 

Offered By

Beacon Hill Associates

10 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Construction Coverage NYC

Gaps Insurance Services

Insurance Agents & Brokers Contractors Workers Comp Contractors General Liability Construction E&O Construction Liability Residential Construction + 2 more 5 states

Description

Construction Coverage NYC is designed for insurance agents and brokers in the New York City construction industry. Today there is only a handful of insurance carriers that offer construction insurance services in New York. Traditionally due to cost and other ...

Details

Has Pen

Appointment Required

Carrier Information

Multiple

Admitted

Non-Admitted

 

Offered By

Gaps Insurance Services

5 listings in 7 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Real Estate Agents & Brokers E&O Program

Landy Insurance Agency

Errors And Omissions Real Estate Agents E&O Real Estate Agents E&O Real Estate Brokers E&O Real Estate Brokers Real Estate Agents Real Estate Appraisers E&O 49 states

Description

The Landy Agency's E&O program for real estate firms provides exceptional coverage for residential and commercial real estate sales, leasing, property management, appraisals and more. Coverage is provided by an A+ Superior rated carrier and features including broad definitions of professional services and insureds, generous coverage for Fair Housing, Lockbox ...

Details

$5M Maximum Premium

$300K Minimum Premium

Has Pen

Appointment Required

Carrier Information

Great American Insurance Co.

Admitted

Non-Admitted

 

Offered By

Landy Insurance Agency

9 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Insurance Agents E&O

CB Malaga Insurance Services LLC

Professional Liability Errors And Omissions E&O Insurance Agents E&O Insurance Brokers E&O Wholesalers E&O P&C Agents Life And Health Agent E&O 27 states

Description

Insurance broker providing professional liability insurance to insurance agents, brokers and wholesalers. Property and Casualty insurance agents, including Life/Accident and Health. Please visit our website at www.Insurance-Agents-Errors-Omissions.com

Details

$2M Maximum Premium

$500K Minimum Premium

Carrier Information

Multiple "A" and "A+" rated Carriers

Admitted

Non-Admitted

 

Offered By

CB Malaga Insurance Services LLC

6 listings in 27 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Real Estate Agents & Brokers

Sun Coast General Insurance

Real Estate Agents Real Estate E&O 5 states

Description

Residential Real Estate Brokers E&O: Liability Limits up to $1M/$1M Deductibles up to $25,000 Defense Costs Inside or Outside Includes Risk Management Svs - Business Ops - Occasional Commercial - Mortgage Brokering - Agent Owned Property - Auctioneering

Details

$1M Maximum Premium

$500K Minimum Premium

Has Pen

Appointment Required

Carrier Information

Various

Admitted

Non-Admitted

 

Offered By

Sun Coast General Insurance

9 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Real Estate Agents & Brokers

Norman-Spencer Agency, LLC

Real Estate Agents E&O Real Estate Brokers E&O Real Estate E&O 47 states

Description

Norman-Spencer’s Real Estate E&O Team has been serving the professional liability insurance needs of the real estate community for over 30 years. We’re dedicated to providing your firm with comprehensive and competitive E&O Insurance solutions tailored to meet needs of the real estate industry. Our exclusive real estate program with ...

Details

$500 Minimum Premium

Has Pen

Carrier Information

Admitted

Rating A++

 

Offered By

Norman-Spencer Agency, LLC

10 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Insurance Solutions for Hi-Tech Clients

RPS Technology & Cyber

Professional Liability Media Liability Data Breach Network Security Errors And Omissions Errors And Omissions 50 states + DC

Description

RPS Technology & Cyber offers complete packages for all hi-tech companies. Our technology experts have the knowledge and flexibility to offer your clients the coverage they need. In addition to Property and Casualty coverage, coverage options Include: Media Liability, Data Breach, Network Security, and Professional Liability

Carrier Information

Various

Admitted

 

Offered By

RPS Technology & Cyber

10 listings in 50 states + DC

Engaged
View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Nursing Homes

Ck Specialty Insurance Associates

Nursing Homes Allied Medical Allied Medical Errors & Omissions Adult Care Assisted Living 5 states

Description

Property, Liability. Ck Specialty Insurance Associates, Inc, a proven expert in the surplus lines and wholesale environment, is fully tuned in to the coverage, fundamental, and pricing needs of our partners. The goal of Ck Specialty is to open market doors... for you. This includes - but ...

Carrier Information

 

Offered By

Ck Specialty Insurance Associates

11 listings in 49 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Video Game Developers

RPS Technology & Cyber

Computer Programming E&O Video Game Developers Technology E&O Errors And Omissions E&O 50 states + DC

Description

Hard to place and usually associated with higher premiums and more underwriting stipulations Video Game developers can be hard to write. RPS Technology & Cyber understands the unique coverages of these highly technical companies. Coverages include: Computer Programming Errors and Omissions, Theft of Tangible or Intangible Property, Breach of Network ...

Carrier Information

Various

 

Offered By

RPS Technology & Cyber

10 listings in 50 states + DC

Engaged
View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Military/Government Tech Consultants

RPS Technology & Cyber

Computer Consultants Programmers Computer Programming E&O Defense Base Act Foreign Liability Miscellaneous Errors And Omissions Technology E&O + 2 more 50 states + DC

Description

RPS Technology & Cyber's Military Technology Insurance, Mili-Tech, was developed for agents with technology clients who work at military bases, depots, arsenals or federal installations. This exclusive coverage for military IT consultants, developers and programmers provides the following coverages: Defense Base Act General Liability / Property ...

Details

$1M Minimum Premium

Carrier Information

Rating A+

 

Rating By AM Best

 

Offered By

RPS Technology & Cyber

10 listings in 50 states + DC

Engaged
View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Privacy/Data Breach Coverage

RPS Technology & Cyber

Professional Liability Errors And Omissions Errors And Omissions Miscellaneous Errors And Omissions Misc Professional Liability 50 states + DC

Description

Any company conducting business on the internet or storing customer records on a computer is at risk. RPS Technology & Cyber offers complete coverage for Cyber and Critical Information Liability. Exposures include internet communications, patient records in medical offices as well as infringement of intellectual property. In today's hi-tech market, ...

Details

Appointment Required

Carrier Information

Various

Rating A+

 

Rating By AM Best

 

Offered By

RPS Technology & Cyber

10 listings in 50 states + DC

Engaged
View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Insurance Agents Errors and Omissions

Kevin Dahlke Insurance Brokerage, Inc.

Cheap E&O Insurance Agents Errors & Omissions Insurance Agents E&O Defense Outside The Limits First Dollar Defense Cyber Low Minimum Premium + 2 more 29 states

Description

With premium starting at $875 our E&O program is targeted to small to midsized property and casualty agencies and provides broad coverage and policy limit options. Coverage is offered through an A XV AM Best rated national insurer and includes coverage for mutual and variable products and provides Cyber coverage ...

Details

$5M Maximum Premium

$1M Minimum Premium

Has Pen

Carrier Information

Non-Admitted

 

Offered By

Kevin Dahlke Insurance Brokerage, Inc.

1 listing in 29 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Architects & Engineers Professional Liability E&O

Apogee Insurance Group a Berkshire Hathaway Company

Architects & Engineers Architects Engineers Architects E&O Professional Liability Engineers E&O Architects & Engineers Professional Liability 50 states + DC

Description

1. 1st Dollar Defense & Defense Outside. 2. Bodily Injury & Property Damage coverage 3. Pollution Coverage built into form 4. Limits up to $30 million 5. Selection of your own counsel 6. Deductible Aggregate 7. Loss Prevention & Risk Management services 8. ...

Details

$30M Maximum Premium

$100K Minimum Premium

Carrier Information

Admiral, Beazley, Hiscox, C.N.A., Markel

Admitted

Non-Admitted

 

Offered By

Apogee Insurance Group a Berkshire Hathaway Company

10 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Exclusive Lawyers Professional Liability Program

Cooper & McCloskey, Inc.

LPL Lawyers Professional Liability Lawyers E&O Attorneys 1 state

Description

Cooper & McClosky proudly annouces a new partnership with Berkley Select. CMI is the exclusive wholesale access point for Berkley Select's admitted LPL product in California. • New and renewal business offered on Berkley Insurance Company paper • Primary and excess coverage available on a worldwide basis • Admitted ...

Details

$5M Maximum Premium

$100K Minimum Premium

Carrier Information

Admitted

Rating A, 15

 

Rating By AM Best

 

Offered By

Cooper & McCloskey, Inc.

10 listings in 17 states

Engaged
View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Real Estate Appraisers

Landy Insurance Agency

Appraisers E&O Real Estate Appraisers E&O 49 states

Description

Landy's admitted program for individual real estate appraisers performing residential and commercial appraisals, including right-of-way and construction appraisals. Coverage for disciplinary hearings and subpoenas is included, as is a free and confidential legal hotline. The application has only 4 qualification questions and the very competitive prices are right on it ...

Details

$1M Maximum Premium

$100K Minimum Premium

Has Pen

Appointment Required

Carrier Information

Great American Insurance Co.

Admitted

Rating A++

 

Rating By AM Best

 

Offered By

Landy Insurance Agency

9 listings in 50 states + DC

View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Insurance Agents Errors & Omissions

Target Professional Programs

Professional Liability Agent E&O Life & Health Insurance Agents Professional Liability Insurance Agents E&O Life And Health Agent E&O Life Agent E&O + 1 more 46 states

Description

With over 50 years of continuous experience in Insurance Agents Errors & Omissions / Professional Liability Insurance, Target‘s carrier partner (rated A by A.M. Best) is a very wise choice. As noted below, several classes of insurance professionals are eligible. Unlike other programs, our carrier offers a specialized Insurance Agents ...

Details

$2M Maximum Premium

Has Pen

Carrier Information

Rated A by A.M. Best

 

Offered By

Target Professional Programs

8 listings in 50 states + DC

View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Real Estate E&O

Victor Insurance Managers LLC

Real Estate Agents E&O Title Agents E&O Agent E&O Real Estate E&O Appraisers E&O Auctioneers Real Estate Brokers E&O Realtors Property Managers E&O 50 states + DC

Description

Victor Insurance Managers' program for real estate professionals, is as diverse as the industry it serves. Our program provides errors & omissions insurance for both commercial and residential firms as well for a vast array of disciplines within the industry. We insure real estate agents and brokers, appraisers, auctioneers, consultants, ...

Details

Has Pen

Carrier Information

CNA

Admitted

Rating A

 

Rating By A.M.

 

Offered By

Victor Insurance Managers LLC

11 listings in 50 states + DC

View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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