Commercial Umbrella

AGPOM's umbrella product supports the needs of members by offering competitive pricing while maintaining a substantial level of protection. By leveraging the group strength of our members, we are able to create consistent economies of scale that reduce premiums and improve coverage.

An outline of the primary umbrella product follows. Other options are available. Applications for the umbrella product are listed here:

 Company:  A XV Carriers
 Coverage A:  Excess Follow Form Liability
 Coverage B:  Umbrella Liability
 Limits Available:  $5, $10, $15, $25, $50 & $100 Million
 Self Insured Retention:  $10,000 (Coverage B Only); Option at $0 SIR

 

 

 

 

 

 Highlights of Coverage: Underlying Requirements:
 Specified Named Insured Endorsement:  Same as Underlying GL
 Follow Form General Liability:  $1,000,000 Per Occurrence
 $2,000,000 Per Aggregate
 Follow Form Employee Benefits Liability:  $1,000,000
 Follow Form Automobile:  $1,000,000 Per Occurrence
 Employers Liability:  $500,000/$500,000/$500,000
 Follow Form Liquor Law Liability:  $1,000,000
 Certified Acts/ Non Certified Terrorism:  $1,000,000
 Follow Form Products/Completed Operations:  $1,000,000
 Personal & Advertising Injury:  $1,000,000


 

 

 

 

 

 

 

 

Applicable Endorsements:

 Professional Services Exclusion
 Pollution Exclusion with Follow Form Hostile Fire and Building Equipment
 Following Form Aggregate Per Location
 Lead Exclusion - Coverage A & B
 Care, Custody Or Control Exclusion
 Construction Exclusion (does not apply to repair or maintenance)
 Fungus Liability Exclusion
 Certified Act of Terrorism Retained Amount Provisions -Coverage B
 Exclusion: Violation of Statutes
 Master Policy Term Endorsement
 Silica Exclusion
 Assault or Battery Follow Form
 Abuse or Molestation Follow Form

 

 

 

 

 

 

 

 

 

 

 

 

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