This program provides our member’s full-time employees and Board Members along with their families (residents of the same household limited to spouse, children under the age of 18 and parents) with identity fraud coverage. This coverage provides each full-time employee with a limit of liability for one loss of $25,000 and a $0 deductible. The coverage reimburses identity theft victims for the following: Lost wages as a result of time taken off from work to deal with the fraud, including wrongful incarceration- up to $500 per week for four weeks (lost wages have been cited as the biggest headache for victims of identity theft); Notary and certified mail charges for completing and delivering fraud affidavits; Fees to re-apply for loans that were denied due to erroneous credit information due to the identity theft; Long distance telephone charges for calling merchants, law enforcement agencies or credit grantors to discuss an actual identity theft; Attorney fees incurred, with the insurance carriers prior consent for defending suits brought incorrectly by merchants or their collection agencies and/or removing criminal or civil judgments wrongly entered against the victim and/or challenging information in a credit report.

Programs

• Crime Program
• Identity Fraud Expense Reimbursement Program
• Liability Program
• Property Program
• Special Events Program
• Workers’ Compensation Program