Cat Extra Expense Coverage available to Westport/Swiss Re insureds

Good news for FMS-insured agencies affected by Hurricane Michael: Westport and First Specialty errors and omissions coverage includes Catastrophe Extra Expense Coverage for costs an agency incurs to help customers with storm-related claims.

Westport Insureds

• Up to $25,000 per catastrophe subject to a per policy period aggregate limit of $50,000 (unless you purchased increased limits) for the actual extra expenses incurred by you as a result of a catastrophe during the POLICY PERIOD beginning on the date of a catastrophe and for thirty (30) days thereafter.
• A $500 deductible applies for each cat extra expense claim made.
• This coverage is part of, and not in addition to, the Limit of Liability shown in the Declarations.

First Specialty Insureds

• $5,000 per catastrophe subject to a per-policy period aggregate limit of $10,000 for the actual extra expenses incurred by you as a result of a catastrophe during the POLICY PERIOD beginning on the date of a catastrophe and for thirty (30) days thereafter.
• A $500 deductible applies for each catastrophe.
• This coverage is part of, and not in addition to, the Limit of Liability shown in the Declarations.

LIKELY COVERED

Increased temporary staffing needs

Generator purchased on date of the storm or within 30 days

Regular staff overtime paid

Meals for staff working through lunch or dinner

Plan overages on cell phone

LIKELY NOT COVERED

Ordinary office expenses

Flood damages

Lost computers or other office equipment

To File a Claim

Submit Cat Extra Expense claims directly through email (and copy FMS) or fax to 877-880-1590. Please include the policy number and an itemized list of expenses being claimed, along with supporting documents.