Underlying Exposures eligible for Excess/Umbrella

Coverage
Employee Benefits
Liability
(Small clerical errors
can have major
consequences.)
Automobile Liability

Employers Liability

Miscellaneous
Professional liability

Insurance Life, accident, dental and medical and other

types of insurance
Plans Pension, profit sharing, stock ownership and
savings, and other plans
Benefits Social security, workers compensation,
disability and unemployment benefits
Other Tuition assistance, maternity leave etc.
Financial protection for a driver who, while operating a
vehicle, harms someone else or their property.
Automobile liability insurance only covers injuries or
damages to third parties and their property, not to the
driver or the drivers property. The two components of
automobile liability insurance are bodily injury liability
and property damage liability. Automobile liability
insurance does not have a deductible.
A product for employers that protects them from major
financial loss if a worker experiences a job-related
injury or illness that workers compensation doesnt
cover. Employer's liability insurance can be packaged
with workers compensation insurance to further protect
companies against the costs associated with workplace
injuries, illnesses and deaths that arent covered under
workers compensation. Employer's liability insurance is
also called part 2 of a workers compensation policy.
An insurance policy that protects employers from
liabilities arising from disease, fatality, or injury to
employees resulting from workplace conditions or
practices. Some jurisdictions make it compulsory for
employers to buy such insurance.
Miscellaneous professional liabilitysometimes called
errors and omissions (E&O) liabilityresults from errors
or omissions in the performance of professional
services. Companies that perform professional services
for others can make mistakes overlook a critical piece
of information, misstate a fact, be misunderstood,
forget to do something, misplace something, etc.and
be sued by their clients over allegations such as:
Error, omission, or misrepresentation in providing a
service.
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 Failure to provide a service in a timely fashion, or at

all.
Failure to keep client information confidential.

Hired and Non-owned

Vehicle Liability

Among the most common classes of service providers

are:
Consultants.
Outsourced business process administrators (e.g.,
payroll processors, benefit plan administrators).
Travel agents and other event planners.
Property and construction managers.
Applied arts professionals (e.g., interior designers,
graphic designers).
Non-Owned & Hired auto liability covers bodily injury
and property damage caused by a vehicle you hire
(including rented or borrowed vehicles) or caused by
non-owned vehicles (vehicles owned by others,
including vehicles owned by your employees).
It usually does not pay for physical damage to the
vehicle itself; that's covered by the owner's insurance.
Although this option is sometimes available.
Liability claims
A hired or non-owned auto liability insurance policy
covers claims against your business if an employee has
an accident while using their own (or rented) vehicle for
business purposes. This optional upgrade adds
coverage as part of your general liability limits to your
business owners policy.
Defense costs
If youre sued, well make it easier for you by
appointing an attorney to defend you, if necessary. We
will defend a lawsuit even if the claims are groundless
and well pay these defense costs without reducing
your limits of liability.

General Liability

Actions of your full-time employees and

temporary staf
This coverage applies not only to your business to the
extent it is liable for the actions an employee (full-time
or temporary staff) when driving a non-owned or rented
vehicle for business purposes.
Business is inherently risky, but business liability
coverage safeguards against many known and
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unknown risks. Commercial liability insurance coverage

protects you, your business and your employees from
claims involving bodily injury or property damage, up
to the limits of your policy. Policies shield you from the
expense of out-of-court settlements, litigation and
judgments awarded by courts.

Lawsuits, investigations and settlements

If damages are filed against you or youre sued, general
liability insurance covers the insurance companys
investigation and attorney expenses, any judgment or
settlement, medical expenses in case of injury and
bonds if they must be subsequently posted.
Injury damages
Claims can arise from bodily injury or property
damages resulting from accidents on your premises or
from your products, your operations or advertising for
your business.
Miscellaneous
Liability insurance can also cover things you may not
have thought about, such as advertising injury in the
event your companys marketing violates someones
copyright. Business liability insurance coverage even
offers some protection against alcohol-related
accidents (as long as your company is not in an
alcohol-related business, such as the manufacture or
distribution of alcohol).
Whats typically NOT protected by business liability
coverage
Here are some situations that would not be protected
by general liability insurance coverage.
Employee injuries
Workers compensation is the insurance you would need
to protect your employees when they are hurt on the
job.
More about workers compensation
Professional mistakes
Business liability insurance coverage wont cover a
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professional mistake, but professional liability will. It

insures against mishaps that may occur as you offer
your opinion, solution, service or recommendations in
the course of business.
More about professional liability
Auto-related coverage
Business liability coverage does not protect you against
auto accidents. Purchase a separate auto policy to
protect your business.
More about business auto
Punitive damages
Though there can be exceptions, a general business
liability policy rarely pays for punitive damages
resulting from a lawsuit.
Intentional acts
General business liability insurance does not cover
damages or injuries resulting from expected or
intentional acts. For example, if an employee assaults a
customer, your business liability coverage would not
cover the damages if they sue. But if the employee was
defending himself or the company from a criminal act,
the liability insurance would provide coverage.

Liquor Liability

Your work
Referred to as the workmanship exclusion, and is
common in general liability policies. Insurance policies
do not respond to what would normally be picked by a
companys warranty for their work.
Liability claims made to a restaurant or bar as a result
of damages or injuries caused by an intoxicated person
can be quite costly. A common example of an alcoholrelated claim occurs when an intoxicated patron leaves
a bar, gets into his car, drives, and commits a vehicular
manslaughter act. In this case, the victims family could
now sue the bar for both civil and criminal damages. As
another example, suppose at a catered event, a
restaurant serves alcohol and two guests are
subsequently involved in a fight, whereby serious
injuries are incurred. These are just two of the many
scenarios that can occur when a business that sells or
serves alcohol may be held liable for the actions of the
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inebriated persons served.

Condo or HOA and D&O

If you live in a planned unit development (PUD) or

common interest community (CID), your neighborhood
is probably run by a homeowners association (HOA).
Most HOAs are operated by a board of directors (the
board) usually made up of a small group of volunteer
homeowners. Due to the broad nature of an HOAs
responsibilities--setting an annual budget, collecting
dues and fees, maintaining the common areas,
adopting and enforcing rules and regulations, and the
likean HOA cannot please every homeowner all of the
time.
Sometimes homeowner-HOA disagreements result in
lawsuits against the HOA. Not infrequently, such suits
also name one or more HOA board members. Without
adequate Directors and Officers (D&O) insurance, a
lawsuit against an HOA board member can leave the
member responsible for legal costs, expenses, and
even damages. Since no prospective board member
wants to risk going broke as a result of acting on the
board, in order for an HOA to attract, and keep good
board members, adequate D&O insurance is a must.
Liability of an HOA Board Member
Numerous types of homeowner lawsuits are possible
against the HOAsuch as for an HOAs failure to
maintain the common areas or adopt an annual
budget, or for misusing HOA funds. An HOA board
member is typically only personally liable in these
lawsuits if the member breaches his or her fiduciary
duty to the HOA.
CONDO Insurance
you need condominium insurance designed
specifically for condo or co-op
owners. Condominium policies help protect your
personal property and the interior of your unit. You will
also have liability protection for bodily injury or
property damage to others.
your condominium association insurance covers the
condominium building, commonly owned property, and
liability insurance for the association.

Garage Liability

Garage liability insurance provides coverage for the

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business operations of garages and other types of auto

service centers. The liability covers work completed on
the premises, as well as completed operations. What
this means is that if your mechanic completed work on
a vehicle, but the customer has a problem with the
vehicle after leaving your shop, your liability is covered
under your garage liability policy. This also covers any
injuries that occur to customers at your workplace,
such as a slip or fall.
What Is Covered
The garage liability policy is a combination of a general
liability policy and a business auto policy. You are
covered against claims from bodily injury or property
damage arising from your business operations. Your
business vehicles are covered against bodily injury and
physical damage losses while in use for regular
business operations.
What Is Not Covered
While the vehicles owned by the business are covered
under your garage liability policy, your customers'
vehicles are not. For this, you will need a separate
policy called garage keepers' insurance. Although this
policy is usually sold in conjunction with the garage
liability policy, it is still separate coverage. Also, if the
garage has a business unrelated to the garage
operations attached, such as a restaurant, this would
not be covered under the garage liability policy. You
would need a separate commercial general liability
policy for the restaurant.

Specialty Coverage (Healthcare)

Medical Professional
Liability
Sexual Misconduct
Liability
General Liability &
Employee Benefit
Liability

Already discussed in Excess/Umbrella coverage

Specialty Coverage (Error & Omission)

Media Liability
Miscellaneous
Professional Liability
(default coverage)
Technology Errors and
Omissions Liability
Privacy and Network
Security (P&NS)
coverage