The minimum amount of personal excess liability coverage currently available.
What is $1M
100
The two primary rating categories of excess liability pricing.
What is owned property and household drivers.
200
Coverage highlight that allows a member to choose representation from among a panel of trusted attorneys and defense counsel.
What is Choice of Counsel
200
The maximum coverage limit currently available.
What is $50M
200
We do NOT base our rating off of this category, typical in the high net worth space.
What is owned vehicles.
300
The coverage feature that kicks in if coverage is NOT provided by the member's primary insurance policy.
What is Drop-Down Coverage
300
The maximum limit of coverage available for excess UM/UIM.
What is $10M.
300
The dollar amount provided to a member to reimburse any fees incurred by their personal attorneys and defense counsel should they choose to shadow a case.
What is $10K.
400
Coverage feature that responds when claims of bodily injury are brought against a member by household staff.
What is EPLI (Employment Practice Liability Coverage)
400
The maximum limit available for the Not for Profit D&O endorsement.
What is $5M.
400
Represents the current average cost per $1M of excess coverage.
What is $500.
500
The coverage feature, available by endorsement, that protects a member against claims of personal injury or property damage in their capacity as an officer of a qualifying board.
What is Not for Profit D&O Liability Coverage
500
The current coverage limits applicable to the EPLI endorsement (2 limits).
What is $1M for allegations of wrongful employment acts and $25K for services of crisis management to protect a member's reputation.
500
Watercraft rating is typically determined by these rating features.