Company: Coverage A: Coverage B: Limits Available:		American Guarantee & Liability Insurance Co. Coverage Excess Follow Form Liability Umbrella Liability $5 Million, $10 Million, $15 Million, $25 Million, and $50 Million
Self Insured Retention:		$10,000 (Coverage B Only)

Highlights of Coverage:		Underlying Requirements:
Specified Named Insured Endorsement:		Same as Underlying GL
Follow Form General Liability:		$1,000,000 Per Occurrence $2,000,000 Per Aggregate
Follow Form Employee Benefits Liability:		$1,000,000 (when requested only)
Follow Form Automobile:		$1,000,000 Per Occurrence (where applicable)
Employers Liability:		$500,000/$500,000/$500,000 (where applicable)
Follow Form Liquor Law Liability:		$1,000,000 (when requested only)
Certified Acts/ Non Certified Terrorism:		$1,000,000
Follow Form Products/Completed Operations:		$1,000,000
Follow Form Personal & Advertising Injury:		$1,000,000

Applicable Endorsements:

Eligible Classes of Business: Leased or rented premises Office Buildings Office Parks Warehouses (no storage of chemicals)

OL& T Exposures consisting primarily of: Property Owners/Managers Shopping Centers (strip or retail malls) Apartment Owners with mixed schedules Industrial Centers

Ineligible Classes of Business

Requirements to receive a quote:

A completed LRO internet application. To receive a binding quote 4-5 years of company generated hard copy loss runs are required. We can provide premium indications with loss information provided on applications. However, these indications are subject to change if the loss runs submitted differ from those outlined in the application.

Requirements to Bind:

A completed and signed internet LRO application; a completed and signed membership agreement; 3-5 years company generated current valued loss runs. All underlying insurance carriers must be rated by A.M. Best A-VII or better. Please note Lloyd's of London is not an acceptable carrier. For multiple locations a per location aggregate (with no "CAP") is a requirement.

Broker Compensation:

Quotes are provided with 10% commission to the broker.

Highlights of coverage are for illustration purposes only. Please review your policies upon receipt as actual policy terms and conditions will apply.

Minimum premiums apply; Premiums subject to 25% minimum earned; insureds must become members of our risk purchasing group by paying a fully earned fee and signing a membership agreement.