Serendipity does provide Management Liability for past, present and future Board and committee members and officers in the amount of $2,000,000. Management Liability includes Directors’ & Officers’ Liability, Employment Practices Liability, Fiduciary Liability, Workplace Violence Liability, Sexual Misconduct Coverage, Cost of Defense for Wage and Hour Claims, and Telephone Consumer Protection Act Claims. In addition, we provide insurance in the following areas: Property, Inland Marine, Boiler/Mechanical Breakdown, Crime, General Liability, Business Auto (owned, non-owned, and hired); Cyber Liability, Worker’s Compensation , and a $5 million Umbrella policy. The adequacy of our insurance coverage is reviewed annually prior to policy renewal with our broker. Evidence of renewed coverage and current insurance limits are provided annually to all board members.