Westfield

State Auto

Grange

Cincinnati Insurance

Umbrella form

Y

Y

Y

Y

Excess form

Y

Y

Y

Y

Provision to reinstate limit if exhausted

N

N

N

N

SIR amount

Varies

Varies

Varies

1000

Flat premium

Y

Y

Y

Y

Auditable

Silent

Silent

N

N

Persons insured include

    You

Y

Y

Y

Y

A family member

Y

Y

N

Household residents who are your relatives

N

Y

Y

Y

    Household residents under age 21 in the care of you or resident relatives

Y

Y

Y

Y-age not specified-covers students under 24

    Persons using a vehicle covered by the policy

Y

Y

Y-with insured's permission

Y-with insured's permission

Personal injury is defined in terms of specified items that are covered

Y

Y

Y

Y

Defense is in addition to limit of liability

Y

Y

Y

Y

Policy drops down to replace insolvent underlying insurance

N

N

N

N

Pollution excluded

Y-specified items only

Y-specified items only

Y

Y-specified items only

Intentional bodily injury/property damage excluded

Y

Y

Y

Y

     Exception to protect persons or property

Y

Y

Y

N

Property damage to owned property is excluded

Y

Y

Y

Y

Property damage to property rented to, occupied by, or in the care of an insured is excluded

Y

N

Y

N

Property damage to property rented to, occupied by, or in the care of an insured is excluded when the insured has obligated himself to provide insurance on the property

 Y

Y

Y

Y

Owned watercraft liability covered

N

N

N

Limited

Non-owned watercraft liability covered

N

N

N

Limited

Owned aircraft liability covered

N

N

N

N

Non-owned aircraft liability covered

N

N

N

N

Coverage for liability arising from aircraft chartered with crew included

Silent

Silent

N-no mention of crew

Y-less than 30 days

Territory limitations for auto coverage

N

N

N

N

UM/UIM coverage included

By endt.

By endt.

Y

N-lists watercraft exposure only

Policy territory

World

World

World

World

All professional exposures excluded

Y

Y

Y

Y

Liability arising from service on a for-profit board of directors insured

N

N

N

N

Liability arising from service on a not-for-profit board of directors insured

Y

Y

Y

Y

Exclusion related to advertising, broadcasting, or telecasting by or for the insured

N

N

N

Y

Exclusion related to vicarious liability of parents for their children's operation of autos or watercraft

N

N

N

N

Exclusion related to vicarious liability of parents for children's use of aircraft

N

N

N

N

Exclusion related to bodily injury to any insured

Y

Y

Y

Y

Exclusion related to an insured transmitting a communicable disease

Y

Y

Y

Y

Punitive damages

    Covered

N

N

Y

N

    Silent on issue

Y

Y

N

Y

Exclusion(s) relating to discrimination  

N

N

Y

Y

Business pursuits exclusion

Y

Y

Y

Y

Specific sexual molestation/harassment exclusion

Y

Y

Y

Y

*Territory for some exposures is limited