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Excess insurance is similar to umbrella insurance in that it pays after an underlying primary policy is exhausted. The critical difference is that excess policies are normally "follow form" policies that conform exactly to the coverage of the underlying policy, except that they add on their own excess limit which is then stacked on top of the primary policy's limit.
Losses caused by criminal acts: Similar to the liability coverage of home and auto policies, an umbrella policy does not cover losses caused by a policyholder’s illegal or intentional activity ...
Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance which helps protect professional advising, consulting, and service-providing individuals and companies from bearing the full cost of defending against a ...
Life can be unpredictable. One moment you can be driving to work and the next you can get into an accident.
[1] [3] Depending on the project, there may be endorsements providing additional coverage such as Contractors Pollution Liability (CPL), Builders Risk Insurance, terrorism insurance and umbrella insurance. OCIPs are also frequently referred to as "wrap-up insurance" or "wrap policies" in the insurance industry. [1] [4]
Like other liability insurance, it covers legal fees and any resulting settlement up to your policy limits. This type of business liability insurance is also called errors and omissions (E&O ...
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