Nonsubscription Product Comparison
Product Comparison
| Product / Options | CEI | VIP | American Fidelity Occ Acc |
|---|---|---|---|
| AM Best Rating | A+XV | A+XV | A+IX |
| Policy Form | Non-Admitted | Non-Admitted | Admitted |
| Per Occurrence SIR Range | $1,000 - $5,000,000 | $1,000 - $100,000 | $1,000 - $250,000 |
| Per Occurrence CSIL Option | 1 to 25 million (5 million per Employee) |
500k to 1 million | 500k to 1 million |
| Disability Period Limit / Option | 156 or 260 weeks up to 1K per week | 104 or 156 weeks up to 1K per week | 104 or 156 weeks up to 1K per week |
| Medical Period Limit | None | 104 or 156 weeks | 104 or 156 weeks |
| Employer Liability Limit | None | 104 or 156 weeks | No employer liability |
| Legal Defense Costs | First dollar outside policy limits (optional) during max coverage period in CSL | None | |
| Pay on Behalf Option | Available | Available | Available |
| Policy Aggregate | $25,000,000 | $15,000,000 | $10,000,000 |
| Commissions | 10% | 10% | 15% |