The financial security of Zurich North America; Zurich has ratings of A+ 15, and AAA from A.M.
Best and Standard and Poors, respectively.

The financial security of Chubb Insurance Group has ratings of A++ 15, and AAA from A.M. Best
and Standard and Poors, respectively.

Coverage A of the form is an absolute following form umbrella. This means the umbrella policy will follow the underlying package exactly. It will rely on the definitions used in the underlying; if coverage exists there it will be covered under this policy as well; unless specifically excluded.

Developer Sponsored Boards are Eligible!

High Rise Associations to thirty-five (35) stories are eligible.

Excess of Directors & Officers, General Liability, Automobile, Employee Benefits, Employers
Liability, Including Employment Practices Liability* (*if covered under the D&O).

For Time Share's, excess Liquor Liability, if applicable

Following Form Named Insured

Following Form General Liability

Following Form Directors & Officers Liability

Following Form Liquor Liability

Following Form Employers Liability

Absolute Pollution Exclusion

Following Form Employee Benefits Liability

Following Form Personal Injury

Following Form Aggregate Per Location

NJ State Amendatory

$10,000 Coverage B Self Insured Retention

Certified Act of Terrorism Retained Amount Provisions -Coverage B

Disclosure of Terrorism

Following Form Liquor Liability