UNIGARD INSURANCE COMPANY MONTANA PERSONAL UMBRELLA MANUAL
|
|
- Frederica Perry
- 6 years ago
- Views:
Transcription
1 UNIGARD INSURANCE COMPANY MONTANA PERSONAL UMBRELLA MANUAL
2 Montana Personal Lines Personal Umbrella i Application Binding Coverage Increased Limits Limits of Liability Introduction Policy Term Premium Determination Retained Limits Required Limits of Underlying Insurance Retained Limit Credit Uninsured/Underinsured Motorist Coverage
3 Montana Personal Lines Personal Umbrella 1 An insured doesn't have to own a yacht or a castle in Spain to need Personal Umbrella coverage. Today it is common for jury awards and out of court settlements to routinely run into hundreds of thousands and even millions of dollars. A large judgment against your client may place his or her assets in serious jeopardy. You can take steps to protect them with a Personal Umbrella Liability Policy. While existing auto, homeowner and watercraft policies may seem adequate, the limits they provide may prove insufficient in the event of a catastrophic loss. Pool accidents, dog bites, boating mishaps and head-on collisions are all examples of incidents that regularly result in large awards to an injured or deceased party. By supplementing existing coverage with a Personal Umbrella Liability Policy, your client's protection can be increased by up to $5 million. Offering the Personal Umbrella Liability Policy also helps protect you. Unfortunately, in today's litigious society, insurance agents are sued with alarming frequency. Commonly, the reason for this stems from failure to advise clients of all available coverages and limits. To protect yourself against potential E & O losses, offering a Personal Umbrella Liability Policy may provide the right answer. This policy is for personal liability and does not extend to professional or business activities other than the type of business liability normally covered by the liability section of a homeowner policy. Examples are activities incident to employment by another or activities of an incidental business nature not conducted in conjunction with a regular business, profession or occupation. Coverage The Unigard Personal Umbrella Liability Policy will provide up to $5 million in protection over an insured's primary insurance program. This complements and expands his or her basic insurance program by: 1. Providing personal liability coverage above the limits of liability carried on the primary policies. 2. Providing umbrella or blanket protection beyond the normal coverage provided by the primary policies through a drop-down deductible feature. The policy applies in excess of a $250 retained limit in the self-insured area where the Unigard Personal Umbrella Liability Policy is broader than the underlying coverage. Some of the examples of the coverage that may not be provided by primary underlying insurance are as follows: Personal injury protection including libel, slander, false arrest, humiliation, defamation of character, false imprisonment, wrongful eviction, wrongful detention, malicious prosecution, etc. Worldwide coverage of autos and watercraft. 3. Providing following form coverage for items such as business pursuits, owned watercraft and recreational vehicles. Full defense coverage is provided in the drop-down deductible area from the first dollar of legal cost where coverage is not provided by underlying policies.
4 Montana Personal Lines Personal Umbrella 2 Application A Personal Umbrella Application must be completed and signed by the insured for all risks. Policy Term All policies are written for a term of one year. Limits Of Liability Personal Umbrella coverage limits up to $5 million are available. The single liability limit is applicable to each occurrence in excess of the underlying primary insurance or the specified self-insured retained limit. Uninsured/Underinsured Motorist Coverage Uninsured/Underinsured Motorist Coverage is not available as a coverage option. Binding Agents have binding authority for Personal Umbrella coverage with a $1,000,000 limit. All other limits may not be bound by the agent without prior authorization by Unigard. Increased Limits The rates shown are for a $1 million limit of liability. The premiums for $2, $3, $4 and $5 million limits are obtained by applying the appropriate factor to the sum of all applicable premiums and rates for $1 million. Limit of Liability 2nd million 3rd million 4th million 5th million Factor Retained Limits The minimum self-insured retention by the insured for exposures not covered by underlying insurance is $250. If the retained limit is higher than $250, a reduction in the premium is applicable. See Premium Determination, Retained Limit Credit.
5 Montana Personal Lines Personal Umbrella 3 Required Limits Of Underlying Insurance The following minimum underlying limits of insurance are required before a Personal Umbrella Liability Policy will be issued: Coverage Auto Liability (including licensed recreational vehicles) Unlicensed Recreational Vehicles Family Liability (Comprehensive Personal or Homeowner Section II) Required Limits of underlying Insurance $250,000/500,000 BI $100,000 PD or $500,000 Single Limit $500,000 Single Limit $500,000 t Watercraft Liability $500,000 Premium Determination (The rates displayed are for $1 million base limit, one-year term) Personal Liability Initial Residence: 45 For each additional residence occupied by the insured 6 For each Residence held in Trust 15 Business Pursuits For Each Office Premises occupied by insured 10 For each Additional Premises Occupied by Insured 30 For each Business Pursuits Endorsement added to Home 30 Business Liability For each Owned Residential Premises occupied by others: In one unit buildings 6 In two unit buildings 12 In three unit buildings 18 In four unit buildings 24
6 Montana Personal Lines Personal Umbrella 4 Premium Determination (Continued) Watercraft Liability Each watercraft, not including sailboats 25 Each Sailboat Less than 26 feet in length feet in length feet in length 63 Each Personal Watercraft 63 Auto Liability Each auto, pickup, SUV, van or motor home 47 Each driver under age For each non-owned vehicle available for use 15 Motorcycles Each Motorcycle 40 Recreational Vehicles Each Recreational vehicle not licensed for highway use and insured for use off insured s premises 40 Retained Limit Credit Apply the credit to the total premium for owner occupied residences. If there are no owner occupied residences be rated for the credit will be applied to the total premium for the auto liability. Deduct For a $500 Retained Limit $ 5 For a $1,000 Retained Limit 10 For a $2,000 Retained Limit 12 For a $5,000 Retained Limit 15 For a $10,000 Retained Limit 20 Minimum Premiums The following are the minimum premiums for which coverage can be written. The minimums shown are not subject to any premium credits or increased limits factors. $1,000,000 Limit $ 140 $2,000,000 Limit 265 $3,000,000 Limit 465 $4,000,000 Limit 665 $5,000,000 Limit 865
Washington Personal Lines Personal Umbrella Manual
Washington Personal Umbrella Personal Lines Personal Umbrella Manual QBE and the links logo are registered service marks of QBE Insurance Group Limited. All coverages underwritten by member companies of
More informationUmbrella Liability Coverage
Umbrella Liability Coverage Analyses Workbook 3rd Edition TP.indd 1 5/5/06 7:02:57 PM At press time, this edition contains the most complete and accurate information currently available. Owing to the nature
More informationWhy in the World Does an Insured Need an Umbrella Policy For and Why Should We Sell One
Why in the World Does an Insured Need an Umbrella Policy For and Why Should We Sell One Sponsored By: Why in the World Does an Insured Need an Umbrella Policy For and Why Should We Sell One Please turn
More informationOREGON MUTUAL INSURANCE COMPANY PERSONAL UMBRELLA POLICY PROGRAM INDEX
INDEX UMBRELLA PROGRAM TERRITORIES General Description... UP-1 Application... UP-1 Change Procedures... UP-1 Cancellation of Insurance... UP-1 Rounding Rule... UP-1 Binding Authority... UP-2 Ineligible
More informationPennsylvania Personal Umbrella Liability Donegal Mutual Insurance Company
STATE LINE OF BUSINESS UNDERWRITING COMPANY Pennsylvania Personal Umbrella Liability Donegal Mutual Insurance Company EFFECTIVE DATE(S) NEW BUSINESS: July 1, 2013 DESCRIPTION OF CHANGES RENEWALS: July
More informationThe Personal Liability Umbrella Insurance Plan Offered exclusively to our members
The American College of Obstetricians and Gynecologists Personal Liability Umbrella Insurance Plan The Personal Liability Umbrella Insurance Plan Offered exclusively to our members Unfortunately, lawsuits
More informationLesson 4 Personal Umbrella/Excess Liability Policy
Lesson 4 Personal Umbrella Intro p1 (PM) Lesson 4 Personal Umbrella/Excess Liability Policy Your clients may have a loss that is so large that the limit of liability provided by either their Personal Auto
More informationA. Underwriting Guidelines 1. A signed ACORD 83 (2005/02 or newer) application is required for each umbrella submission.
COMPANY SPECIFIC ENDORSEMENTS, CREDITS, BILLING OPTIONS & QUESTIONNAIRES A. Underwriting Guidelines 1. A signed ACORD 83 (2005/02 or newer) application is required for each umbrella submission. 2. Excess
More informationFLORIDA STATE UNIVERSITY ALUMNI ASSOCIATION CLUB & CHAPTER INSURANCE AND CLAIM MANUAL
FLORIDA STATE UNIVERSITY ALUMNI ASSOCIATION CLUB & CHAPTER INSURANCE AND CLAIM MANUAL EFFECTIVE FOR THE ANNUAL TERM: AUGUST 1, 2017 - AUGUST 1, 2018 TABLE OF CONTENTS Introduction..... 1 Alcohol Policy.....
More informationJune 6, Group Umbrella Liability Insurance Plan MMC
June 6, 2008 Group Umbrella Liability Insurance Plan MMC Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the limits of your personal insurance,
More informationJack Hungelmann Umbrella Comparison Chart Revised September 2, 2009
FEATURES FORM NO. (ED. DATE) 26029 (5/00) 5400022(4/06) Jack Hungelmann Umbrella Comparison Chart Revised September 2, 2009 9639 (3/06) w/2746 endorse. (3/09) DL9801 (10/06) PTO412 (7/06) R967MNE P (1/00)
More informationMONTHLY BILLING PROGRAM IMPORTANT UPDATES AND CHANGES TO OUR DIRECT BILL PLANS
February 2, 2009 TO ALL CONNECTICUT AGENTS MONTHLY BILLING PROGRAM IMPORTANT UPDATES AND CHANGES TO OUR DIRECT BILL PLANS We are very excited to announce our newest billing enhancement designed to provide
More informationThe Personal Umbrella Policy. Eric Martlage Director of Operations Insurance Career Training
The Personal Umbrella Policy Eric Martlage Director of Operations Insurance Career Training Open the control panel by clicking on the orange box with the white arrow. Click your mouse on Enter a Question
More informationOREGON MUTUAL INSURANCE COMPANY PERSONAL UMBRELLA POLICY PROGRAM INDEX
INDEX General Description...UP-1 Limits/Authorities...UP-1 Application...UP-1 Change Procedures...UP-1 Cancellation of Insurance...UP-1 Rounding Rule...UP-2 Ineligible Exposures...UP-2 General Program
More informationFLORIDA STATE UNIVERSITY ALUMNI ASSOCIATION SEMINOLE CLUBS & CHAPTERS INSURANCE AND CLAIM MANUAL
FLORIDA STATE UNIVERSITY ALUMNI ASSOCIATION SEMINOLE CLUBS & CHAPTERS INSURANCE AND CLAIM MANUAL EFFECTIVE FOR THE ANNUAL TERM: AUGUST 1, 2013 AUGUST 1, 2014 Prepared by: TABLE OF CONTENTS Introduction...
More informationPERSONAL UMBRELLA INSURANCE
UMB-21 Ed. 9/03 PERSONAL UMBRELLA INSURANCE AGREEMENT We provide Personal Umbrella Insurance and those added coverages described in this policy during the policy period in return for your payment of the
More informationBenefits Handbook Date January 1, Group Umbrella Liability Insurance Plan MMC
Date January 1, 2011 Group Umbrella Liability Insurance Plan MMC Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the limits of your personal
More informationUSA Volleyball, United States Volleyball Association, United States Volleyball, Inc. ( USAV ), USA Volleyball Foundation
INSURANCE PROGRAM USA Volleyball administers a medical and liability insurance program customized specifically for the sport of volleyball. It is designed to respond specifically to the inherent hazards
More informationUSAV registered clubs, but only with respects to activities sanctioned or approved by USAV or its RVA.
INSURANCE PROGRAM USA Volleyball administers a medical and liability insurance program customized specifically for the sport of volleyball. It is designed to respond specifically to the inherent hazards
More informationPERSONAL LIABILITY PROGRAM General Information
General Information POLICY AVAILABILITY Personal liability (Section II) coverage is available only when packaged with a property (Section I) policy written through an affiliated mutual company. COVERAGE
More informationFEDERATION OF CANADIAN ARCHERS GENERAL LIABILITY INSURANCE (CGL) PROGRAM POLICY NUMBER E2SA JANUARY 1, 2017 TO JANUARY 1, 2018
FEDERATION OF CANADIAN ARCHERS GENERAL LIABILITY INSURANCE (CGL) PROGRAM POLICY NUMBER E2SA000024 JANUARY 1, 2017 TO JANUARY 1, 2018 The Federation of Canadian Archers (Archery Canada) automatically includes
More informationGENERAL INFORMATION. (b) Have you ever been cancelled or non-renewed for this kind of insurance? Yes No If yes, explain
Trailer Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY OF THE SOUTH
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS ILLINOIS
PERSONAL AUTO PP 01 74 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS ILLINOIS I. Definitions A. The following is added to the Definitions section:
More informationHelp protect the people you love, and the life you love
Help protect the people you love, and the life you love Masterpiece Excess Liability Protecting what you ve spent a lifetime building Stay protected from every angle 97% of Chubb clients who had a claim
More informationGENERAL INFORMATION. Lift Kit (suspension) Installation/Sales
Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY
More informationPersonal Auto Policy
ATLANTA,GEORGIA Personal Auto Policy Omni Insurance Company PENNSYLVANIA Form 0837 Pennsylvania (11/08) LIMITED TORT ALTERNATIVE INFORMATION NOTICE Each person who elects the limited tort alternative remains
More informationFlorida. Umbrella Product Guide. What s New Effective Date of Revised Material Updates
Table of Contents Florida Umbrella Product Guide What s New Effective Date of Revised Material Updates Product Overview Description of Coverage Policy Term Retained Limit Insured Eligibility Home Care
More informationGENERAL INFORMATION. Lift Kit (suspension) Installation/Sales
Automobile Service s Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY OF
More informationPreferred Personal Umbrella Personal Lines
Preferred Personal Umbrella Personal Lines This product targets households without youthful drivers that have clean driving records. The HIT ZONE Our highest hit ratio Violation and accident free in the
More informationIFB Septic Tank Cleaning Page 1
Buyer II Lisa Russell (251) 694-3162 Office lrussell@mawss.com TO Prospective Bidders INVITATION FOR BID NUMBER IFB 18-045 SEPARATE SEALED BIDS FOR BIDS WILL BE RECEIVED AT Septic Tank Cleaning BID OPENING
More informationHost Protection Insurance Summary. Updated on February 27, 2018
Host Protection Insurance Summary Updated on February 27, 2018 1 What is Host Protection Insurance? The Host Protection Insurance Program ( HPI Program ) covers Hosts, in certain countries, if they have
More informationHOMEOWNER HOMEOWNER. Call for the right answers from a real person. Visit: for more information or a no-obligation quote.
HOMEOWNER Home Flood Watercraft Renter Pet Health Auto Business Motorcycle and even more coverages available. Call 800.255-6792 for the right answers from a real person. Visit: www.afi.org for more information
More informationPERSONAL LIABILITY UMBRELLA APPLICATION
Home Office: One Nationwide Plaza Columbus, Ohio 45 Administrative Office: 8877 North Gainey Center Drive Scottsdale, Arizona 8558-800-4-7675 Fax (480) 48-675 PERSONAL LIABILITY UMBRELLA APPLICATION Applicant
More informationAutomobile Service Operations Application
Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY
More informationAutomobile Service Operations Application
Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY
More informationGroup Personal Excess Liability Insurance for Brown & Brown Employees from Chubb
Group Personal Excess Liability Insurance for Brown & Brown Employees from Chubb Policy Highlights Chubb Group Personal Excess Liability Insurance provides additional liability coverage up to $50 million
More informationSUB-SECTION 1 ENDORSEMENTS APPLICABLE TO POL 1 (OWNER S POLICY)
FACILITY ASSOCIATION Section S - s Notes: 1. No endorsements, no special wordings and no changes to standard forms are permissible except as approved by or on behalf of the Superintendent(s) of Insurance.
More informationPERSONAL UMBRELLA LIABILITY INSURANCE APPLICATION RLI INSURANCE COMPANY
PERSONAL UMBRELLA LIABILITY INSURANCE APPLICATION RLI INSURANCE COMPANY Please fully complete and print the Application, obtain the insured s signature and forward it to your Program Administrator for
More informationPlease advise your agent as soon as possible if changes are needed or optional coverages are desired.
SFI INSURANCE Enclosed you will find an admitted renewal Personal Umbrella quote for WARREN DILL. The Expiring policy number is PCL1157656F and the expiration date is 11/24/2016. Section I- Section II-
More informationTHE SMART CHOICE ENDORSEMENT
THE SMART CHOICE ENDORSEMENT For an additional premium and subject to all the provisions of the policy, the following coverages and extensions of coverages are added to your Homeowners Policy: SECTION
More informationIIAT Job Applicant Technical Test
Instructions How to use this test This test is designed to help member agents assess job applicants technical insurance knowledge. It is one of many tools that can be used to determine which candidate
More informationAutomobile Service Operations Application
Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY
More informationAugust Massachusetts has an "anti-cyber bullying" law AN ACT RELATIVE TO BULLYING IN SCHOOLS which defines cyber bullying as:
TECH TALK Cyber Bullying and Personal Lines Policies... By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs August 2011 As a result of a Tech Talk on the HO policy
More informationXN GLOBAL PERSONAL INSURANCE Effected with certain Lloyd s Underwriters (hereinafter called the Insurer ) through
XN GLOBAL PERSONAL INSURANCE Effected with certain Lloyd s Underwriters (hereinafter called the Insurer ) through XN FINANCIAL SERVICES INC. BOCA RATON, FLORIDA It is hereby understood and agreed that
More informationPacific Specialty Insurance Company California Non-Franchised Auto Dealer Program Manual Underwriting Guidelines
Underwriting Guidelines This program is designed for California non-franchised used car dealerships only. All risks must meet the following requirements: a) 90% or more of auto sales must be from private
More informationGroup Personal Excess Liability Insurance for Brown & Brown Employees from Chubb
Group Personal Excess Liability Insurance for Brown & Brown Employees from Chubb Policy Highlights Chubb Group Personal Excess Liability Insurance provides additional liability coverage up to $50 million
More informationThe Disconnect Between Personal Insurance and The High Net Worth
The Disconnect Between Personal Insurance and The High Net Worth Prepared By: Chip Gibson, CEO Deland, Gibson Insurance Associates, Inc. 36 Washington Street Wellesley hills, MA 02481 The Disconnect Between
More informationPersonal Excess Policy
Your Personal Excess Policy - Quick Reference Policy Section Beginning on Page Section I DEFINITIONS 2 Section II COVERAGES 7 Section III EXCLUSIONS 12 Section IV UNDERLYING INSURANCE 19 Section V DUTIES
More informationInsure wisely. Live confidently.
Insure wisely. Live confidently. Make the ultimate prudent move to protect your assets. Masterpiece Excess Liability Insurance Catastrophic financial loss could occur in seconds. The more you have acquired,
More informationFARM LIABILITY PROGRAM General Information
General Information POLICY AVAILABILITY Farm personal liability (Section II) coverage is available only when packaged with a property (Section I) policy written through an affiliated mutual company. COVERAGE
More informationSport INSURANCE RENEWAL PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2013 TO JANUARY 1, 2014
INSURANCE RENEWAL PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2013 TO JANUARY 1, 2014 Prepared by: Nancy Au, BBA, FCIP, RIBO, CRM Vice President, s & Recreation Rosemarie Dunn,
More informationAutomobile Service Operations Application
Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY
More informationFARM LIABILITY PROGRAM General Information
General Information POLICY AVAILABILITY Farm personal liability (Section II) coverage is available only when packaged with a property (Section I) policy written through an affiliated mutual company. COVERAGE
More informationSPECIMEN. Personal Excess Policy. Your Personal Excess Policy Quick Reference. Beginning on Page SECTION I DEFINITIONS 2 SECTION II COVERAGES 4
Your Quick Reference SECTION I DEFINITIONS 2 SECTION II COVERAGES 4 SECTION III EXCLUSIONS 7 SECTION IV UNDERLYING INSURANCE 10 SECTION V DUTIES AFTER A LOSS 11 SECTION VI GENERAL PROVISIONS 11 Beginning
More informationMount Vernon Fire Insurance Company. Antique Auto Program
I. AGE There is not a vehicle age requirement for an offer of coverage under this filing. II. POLICY TERM Policy term is for one (1) year. III. LIABILITY COVERAGES A. Compulsory Bodily Injury/Property
More informationHost Protection Insurance Summary
Host Protection Insurance Summary UPDATED ON June 27, 2016 LEARN MORE 1 of 10 COVERAGE What is Host Protection Insurance? The Host Protection Insurance Program ( HPI Program ) covers Hosts, in certain
More informationGENERAL INFORMATION. (b) Have you ever been cancelled or non-renewed for this kind of insurance? Yes No If yes, explain
Trailer Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY OF THE SOUTH
More informationAutomobile Service Operations Application
Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY
More informationAdvantage. We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy:
Advantage We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES COVERAGE C - Personal Property: The Special
More informationAdvantage. We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy:
Advantage We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES COVERAGE C - Personal Property: The Special
More informationPersonal Excess Policy
Your Personal Excess Policy - Quick Reference Policy Section Beginning on Page SECTION I DEFINITIONS 2 SECTION II COVERAGES 6 SECTION III EXCLUSIONS 11 SECTION IV UNDERLYING INSURANCE 18 SECTION V DUTIES
More informationPersonal Excess Policy
Your Personal Excess Policy - Quick Reference Policy Section Beginning on Page Section I DEFINITIONS 2 Section II COVERAGES 7 Section III EXCLUSIONS 12 Section IV UNDERLYING INSURANCE 19 Section V DUTIES
More informationUsed Auto and Motorhome Dealer Application
Used Auto and Motorhome Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY
More informationUsed Auto and Motorhome Dealer Application
Used Auto and Motorhome Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY
More informationDOMESTIC ONLY CONRAD, CURIO, WALDORF ASTORIA HILTON WORLDWIDE 1 LUXURY FRANCHISED - REQUIREMENTS [Hilton Worldwide Holdings Inc.]
DOMESTIC ONLY CONRAD, CURIO, WALDORF ASTORIA HILTON WORLDWIDE 1 LUXURY FRANCHISED - REQUIREMENTS [Hilton Worldwide Holdings Inc.] NAME AND ADDRESS OF AGENCY: Fax and E-Mail NAME AND ADDRESS OF INSURED:
More informationPERSONAL LIABILITY INSURANCE
PERSONAL LIABILITY INSURANCE Definitions... 2 Bodily Injury and Property Damage... 4 Exclusions... 4 Personal Injury... 5 Exclusions... 6 Medical Payments to Others... 6 Exclusions... 6 Supplementary Payments
More informationPersonal Excess Policy
Your Personal Excess Policy - Quick Reference Policy Section Beginning on Page Section I DEFINITIONS 2 Section II COVERAGES 7 Section III EXCLUSIONS 12 Section IV UNDERLYING INSURANCE 19 Section V DUTIES
More informationRHODE ISLAND JOINT REINSURANCE ASSOCIATION
RHODE ISLAND JOINT REINSURANCE ASSOCIATION Underwriting Division Two Center Plaza Boston, Massachusetts 02108-1904 (800) 851-8978, FAX (800) 922-2117 May 30, 2006 TO: All Rhode Island Producers Personal
More informationOREGON MUTUAL INSURANCE COMPANY COMMERCIAL UMBRELLA POLICY PROGRAM
GENERAL DESCRIPTION The following information is a general description of the Commercial Umbrella Program. Refer to the policy for an explanation of definitions, terms, limitations, and exclusions. Our
More informationPersonal Excess Policy
Your Personal Excess Policy - Quick Reference Policy Section Beginning on Page Section I DEFINITIONS 2 Section II COVERAGES 7 Section III EXCLUSIONS 12 Section IV UNDERLYING INSURANCE 19 Section V DUTIES
More informationOREGON MUTUAL INSURANCE COMPANY AUTOMOBILE POLICY CREDITS AND OPTIONS
ACCIDENT PREVENTION COURSE CREDIT Discount for drivers 55 years or older A credit applies to drivers age 55 or older who have successfully completed a traffic safety course approved by the Department of
More informationOREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX
INDEX General Instructions... MH-1 Basic Coverages and Limit of Liability... MH-1 Description of Coverage... MH-1 Deductible... MH-1 Application... MH-2 Binders... MH-2 Replacement Value Coverage C (H109)...
More informationPERSONAL UMBRELLA APPLICATION
Home Office: 6 North Carroll Street, Suite 209 Madison, Wisconsin 53703-2783 Property/Casualty Division: 8877 North Gainey Center Drive Scottsdale, Arizona 858-800-423-76 Fax (480) 483-62 PERSONAL UMBRELLA
More informationGENERAL INFORMATION. Camper Trailers (pull type)
Motorcycle & Recreational Vehicle Dealers Garage Application (Motorhomes not included) COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY
More informationInsurance Application Insurance for Wildland Firefighting Contractors MAINE
Insurance Application Insurance for Wildland Firefighting Contractors MAINE McNeil Insurance Services, Inc. P.O. Box 5670 Cortland, New York 13045 Phone (800) 822-3747 Fax: (607) 756-5051 General Information
More informationPERSONAL UMBRELLA APPLICATION
National Casualty Company Home Office: Columbus, Ohio Scottsdale Insurance Company Home Office: One Nationwide Plaza Columbus, Ohio 43215 Scottsdale Indemnity Company Home Office: One Nationwide Plaza
More informationTHE MOST FREQUENT CLAIMS BROUGHT AGAINST HOTELS AND HOW TO PREVENT THEM v Anderson Kill P.C. All Rights Reserved.
THE MOST FREQUENT CLAIMS BROUGHT AGAINST HOTELS AND HOW TO PREVENT THEM 1 Allen Wolff Shareholder, Anderson Kill Insurance Lawyer Construction Lawyer Trial Lawyer 2 Disclaimer The views expressed by the
More informationUsed Auto and Motorhome Dealer Application
Used Auto and Motorhome Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY
More informationSIGMA PHI RHO FRATERNITY, INC. INSURANCE AND CLAIM MANUAL
. EFFECTIVE: NOVEMBER 14, 2014 TABLE OF CONTENTS INTRODUCTION 3 THE GENERAL LIABILITY INSURANCE PROGRAM 4 Who is an Insured? 5 Who is not an Insured under this policy? 5 Adding Additional Insureds 6 What
More informationGlossary of Malpractice Insurance Terms
Glossary of Malpractice Insurance Terms To help you have a better understanding of Malpractice Insurance terms, this glossary has two sections. The first section contains definitions of general malpractice
More informationInsurance Buyers News
Insurance Buyers News Springfield PO Box 4207, Springfield, MO 65808 Phone: 800-422-5275 417-887-3550 Fax: 417-887-3252 Rolla PO Box 1258, Rolla, MO 65402-1258 Phone: 800-364-2212 573-364-8888 Fax: 573-341-2257
More informationREQUEST FOR PROPOSAL SAILING, RECREATION AND EDUCATION PROGRAMS AT THE OYSTER BAY WESTERN WATERFRONT TOWN OF OYSTER BAY DEPARTMENT OF PARKS
REQUEST FOR PROPOSAL SAILING, RECREATION AND EDUCATION PROGRAMS AT THE OYSTER BAY WESTERN WATERFRONT TOWN OF OYSTER BAY DEPARTMENT OF PARKS Release Date: January 11, 2019 Due Date: February 11, 2019 Town
More informationDRY SWEEPING SERVICES AGREEMENT
DRY SWEEPING SERVICES AGREEMENT This DRY SWEEPING SERVICES AGREEMENT (this Agreement ) is made and entered into this day of, 200_ (the Effective Date ), by and between STANDARD PARKING CORPORATION, a Delaware
More informationLIMITED COVERAGE FOR LOSS BY WET ROT, DRY ROT, BACTERIA, FUNGI, OR PROTISTS
This endorsement changes the policy Page 1 of 7 -- PLEASE READ THIS CAREFULLY -- LIMITED COVERAGE FOR LOSS BY WET ROT, DRY ROT, BACTERIA, FUNGI, OR PROTISTS 1. The following exclusion is added under item
More informationExperience Protection Insurance Summary
Experience Protection Insurance Summary UPDATED ON NOVEMBER 16, 2016 LEARN MORE 1 of 9 COVERAGE What is Experience Protection Insurance? The Experience Protection Insurance Program ( EPI ) covers Experience
More informationHUDSON INSURANCE COMPANY
1 7 S t a t e S t r e e t, 2 9 t h F l o o r N e w Y o r k, N Y 1 0 0 0 4 w w w. h u d s o n i n s g r o u p. c o m ( 2 1 2 ) 9 7 8-2 8 0 0 HUDSON INSURANCE COMPANY PERSONAL UMBRELLA LIABILITY POLICY PART
More informationELI Personal Liability Umbrella Policy
220 Commercial Street P.O. Box 10 Berwick, NS B0P 1E0 www.kingsmutual.ns.ca TF: 1.800.565.7220 1. Agreement: Personal Liability Umbrella Policy We provide the insurance described in this policy, subject
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS NEW HAMPSHIRE
PERSONAL AUTO PP 01 76 01 11 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS NEW HAMPSHIRE This endorsement amends your policy to make it the equivalent of
More informationPERSONAL UMBRELLA APPLICATION
AGENCY PERSONAL UMBRELLA APPLICATION CARRIER DATE (MM/DD/YYYY) NAIC CODE APPLICANT'S NAME AND MAILING ADDRESS (include county & ZIP+4) CONTACT NAME: PHONE (A/C, No, Ext): FAX (A/C, No): E-MAIL ADDRESS:
More informationInsurance Handbook for VHFA-financed rental housing contains the following: 1) Insurance coverages and limits that are required by VHFA;
INSURANCE HANDBOOK Insurance Handbook for VHFA-financed rental housing contains the following: 1) Insurance coverages and limits that are required by VHFA; 2) Insurance coverages that are recommended by
More informationLIABILITY COVERAGE SECTION-FARM
ML-10F Ed. 6/99 LIABILITY COVERAGE SECTION-FARM DEFINITIONS-The following definitions apply to the Liability Coverage Section. 1. Farm Employee means an employee of any insured whose duties are in connection
More informationPAL PACK ENDORSEMENT HOMEOWNERS
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PAL PACK ENDORSEMENT HOMEOWNERS HOMEOWNERS This endorsement modifies coverage provided under the following forms: HO 00 03: Homeowners 3 Special
More informationUMBRELLA LIABILITY TABLE OF CONTENTS
UMBRELLA LIABILITY ITEM TABLE OF CONTENTS NSUMB PAGE PERSONAL UMBRELLA Highlights... 3 Introduction... 1 Minimum Premium... 4 Policy Limit and Retained Limit... 2 Policy Term... 2 Primary (Underlying)
More informationUsed Auto and Motorhome Dealer Application
Used Auto and Motorhome Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY
More informationEMPLOYEE BENEFITS LIABILITY COVERAGE FORM
EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS COVERAGE FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. SECTION I EMPLOYEE BENEFITS LIABILITY COVERAGE 1. Insuring Agreement a.
More informationPRESENTERS. Todd Seiders. Allen R, Wolff, Esq. Director of Loss Control for Petra Risk Solutions. Shareholder, Anderson Kill, P.C.
PRESENTERS Todd Seiders Director of Loss Control for Petra Risk Solutions oversees the risk management and claims departments for approximately 3400 hotels, resorts and spas nationwide extensive hands
More informationBusiness Owner s Umbrella Liability Policy MINNESOTA
The Navigators Group, Inc. is traded on the NASDAQ under the symbol NAVG. Page 1 of 8 Business Owner s Umbrella Liability Policy MINNESOTA This Policy Does Not Provide Any Uninsured/Underinsured Motorists
More informationYour Exam Content Outline
Your Exam Content Outline The following outline describes the content of one of the New York insurance examinations. The examination will contain questions on the subjects contained in the outline. The
More informationLearn about different types of auto insurance coverage. Compute insurance costs. Compute payments on insurance claims.
Section 5.4: AUTOMOBILE INSURANCE OBJECTIVES Learn about different types of auto insurance coverage. Compute insurance costs. Compute payments on insurance claims. Key Terms liable negligent automobile
More informationWorkers Compensation and the HO Policy
Workers Compensation and the HO Policy Sponsored By: WORKERS COMPENSATION & THE HO POLICY Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW WORKERS COMPENSATION (WC) LAW WC insurance is unique in that it
More information