1.     Available Limits: $1, $2, $3, $4, and $5 million in all states except California and Kansas . $1 million and $2 million available in California and Kansas . Policy not available in Hawaii .

2.     Underlying Insurance: Automobile (including autos, pickup trucks, and vans): $250/500/50 or $500,000 single limit. Homeowners (including one or two family dwellings rented to others): $300,000. Watercraft: $300,000.

3.     Personal Injury Definition: “a. wrongful eviction or detention; b. libel; c. slander; d. defamation of character; e. invasion of privacy; f. false arrest or false imprisonment; g. malicious prosecution.”

     ”Injury arising from the transmission of communicable diseases by a covered person is excluded unless covered by primary insurance.”

4.     Intentional Acts: There is no coverage for bodily injury or damage which is either expected or intended by a covered person.

5.     Insured Persons: Named insured and spouse, resident relatives, and any other person under the age of 21 if in the care of named insured, spouse or resident relative; permissive users of a boat or auto owned by the insured or in the insured's care (including cars, pickup trucks or vans; motorcycles; watercraft; or a trailer, farm tractor, farm wagon, or farm implements while towed by a covered vehicle); any person or organization legally responsible for the use of such boat or auto; “any person or organization which other than in the course of any business, is legally responsible for animals owned by the insured or any family member. The person or organization must have care of the animals with the owner's permission.”

     The owners (agents or employees) of an auto, boat, or R.V. loaned or rented by a covered person are not insured persons.

6.     Automobiles: Coverage is excluded for “the use of vehicles or boats in racing events, whether or not organized, except as covered by primary insurance. This exclusion also applies to practicing for a race.”

7.     Aircraft and Watercraft: All aircraft liability is excluded. The use of “boats in racing events, whether or not organized, except as covered by primary insurance, is excluded. This exclusion also applies to practicing for a race.” There is a thirty-day “grace period” for the acquisition of boats. Primary insurance with the required minimum limits shown on the Declarations page must be secured.

8.     Insured Locations: No restrictions.

9.     Business Property and Pursuits: Policy excludes business pursuits and business property of an insured unless covered by primary insurance. The exclusion does not apply to the ownership, maintenance or use of any auto.

10.     Care, Custody, Control: Property of a “covered person” is not covered. Damage to aircraft owned by or in the care, custody, or control of the insured is not covered. Coverage is not provided for damage to other property “used by, rented to, or in the insured's care, custody or control, to the extent that the covered person is obligated by contract to provide insurance for that property.”

11.     Other Notable Features: Underlying auto policy must be provided by Amica.