The following coverage chart outlines areas that should be given special attention.

Personal Umbrella Liability Checklist

General Information

Named Insured:

Address:

City, State:

Phone:

Coverages

____     1.     Umbrella form?

____     2.     Excess liability form?

____     3.     Limit of liability?

____     4.     Is there a provision to reinstate the limit if exhausted?

____     5.     Have additional limits of liability been quoted?

____     6.     What is the SIR amount?

____     7.     First dollar defense coverage?

____     8.     Are the carrier's requirements for underlying liability limits met?

____     9.     Is the schedule of underlying insurance accurate and are
          all policies listed on it in effect?

____     10.     How many days notice of cancellation or non-renewal are required?

____     11.     Flat premium?

____     12.     Pay-on-behalf of form?

____     13.     Indemnification/reimbursement-type form?

____     14.     How are “persons insured” defined?

____     15.     Are persons who may have temporary custody of owned animals  insureds?

____     16.     Is personal injury defined by listing specified items that are covered?

____     17.     Is personal injury defined as “included but not limited to” specific items?

____     18.     Defense in addition to limit of liability?

____     19.     Defense included within limit of liability?

____     20.     What is provision for policy dropping down to replace insolvent underlying insurance?

____     21.     How are “intentional acts” treated?

____     22.     Is property damage to owned property excluded?

____     23.     Is property damage to property rented to, used by,
          or in the care of an insured excluded?

____     24.     Is property damage to property rented to, used by, or in the
          care of any insured excluded only when the insured has
          obligated himself to provide insurance on the property?

____     25.     Is property damage to property rented to, used by, or in the care
          of any insured excluded only when the insured has assumed liability
          for the property under contract or agreement?

____     26.     Review watercraft coverage/exclusion provisions?

____     27.     Review aircraft coverage/exclusion provisions?

____ 28. Review hovercraft coverage/exclusion provisions?

____ 29. Review limitations/territory for auto coverage?

____ 30. Is coverage for liability arising from aircraft chartered with crew included?

____ 31. Is coverage for liability arising from model, toy, or hobby aircraft

that do not carry people or cargo included?

____ 32. Does state require that coverage be extended over UM coverage?

____ 33. Does coverage apply over UM/UIM underlying coverage?

____ 34. If a layered program, are all layers written on concurrent forms?

____ 35. Are coverage and conditions concurrent with primary policy forms?

____ 36. What is policy territory?

____ 37. Are any business pursuits or business property covered on an excess basis?

____ 38. What types of business pursuits and business property are covered?

____ 39. Review definitions of “business” and “business property”?

____ 40. Are any professional exposures insured?

____ 41. Are there any exclusions relating to service on a corporate or association board of directors?

____ 42. Is coverage for service on a non-profit board of directors excluded?

____ 43. Are there any exclusions related to liability arising from advertising, broadcasting, or telecasting by or for the insured?

____ 44. Review exclusions related to discrimination?

____ 45. Are there any exclusions related to vicarious liability of parents for their children's operation of autos, watercraft, hovercraft, or aircraft?

____ 46. Are there any exclusions related to bodily injury to any insured?

____ 47. Are there any exclusions related to an insured transmitting a communicable disease?

____ 48. How are punitive damages treated?