Umbrella Liability Coverage Extensions



Personal Injury Coverage— Even if standard personal injury coverage is provided in the primary policy, the coverage provided by the Umbrella Liability policy is broader as it provides coverage for mental injury, mental anguish, shock, disability, humiliation, discrimination, etc.

Advertising Liability Coverage— Included in the definition of “personal injury”

Blanket Contractual Coverage— Included for both oral and written contracts.

Employers’ Liability Coverage— Claims made by employees are not excluded.

Worldwide Coverage

Liquor Law Liability Coverage

Non-Owned Aircraft Liability Coverage— Also Owned Aircraft Liability coverage if included in the schedule of primary insurance.

Non-Owned Watercraft Liability Coverage— Also Owned Watercraft Liability coverage if included in the schedule of primary insurance.

Drop-Down Coverage— For occurrences within the scope of this coverage and in the absence of primary coverage, this will respond for your benefit subject to a $10,000 self-insured retention.

Additional Insured Coverage:

1. Officers, directors, and stockholders of the named insured, while acting within the scope of their duties as such. Also employees, but not with respect to their own automobiles.

2. Any additional insured named in the underlying insurance, for the same coverage as afforded thereunder.

3. Any person or organization to whom the named insured is obligated under written contract to provide coverage as is afforded under the Umbrella Liability policy with respect to operations by or on behalf of the named insured.

Care, Custody, or Control Coverage— Excepting only liability assumed under contract, unless excluded.

Occurrence Coverage— Matching the new standard primary policy definition.

Products and Completed Operations Coverage — Using the new standard policy provisions.