* Umbrella layer limit to $20m
* Can ‘stick’ to Public & Products Liability, MV Liability, Workers Comp (Common
Law)
* Excess Liability (Difference in Limits) follows-form the primary cover
* Excess Liability matches (ie. doubles) agreed primary sub-limits
(only policy on the market we know of that does this!)
* Drop-down cover (Difference in Conditions) automatically includes the following:
- Contractual Liability (blanket basis)
- Principal(s) as joint insured (blanket basis)
- Waiver of subrogation (blanket basis)
- Incidental PI ($1m) including charging fees so long as fees <10% of turnover
(only extension on the market we know of that allows separate fees)
- Exports to USA / Canada extension
* No requirement to disclose any contracts (existing or future) to us