We have developed a Low Limit Umbrella Liability program underwritten through JGS and issued through Chubb Insurance Group. We have Umbrella policies available in limits of $1 Million through $5 Million excess of GL, Auto, Employers Legal Liability and Directors and Officers policies.

• The financial security of Chubb Insurance Group has ratings of A++ 15, and AAA from A.M. Best and Standard and Poors, respectively.
• Coverage A of the form is an absolute following form umbrella which means the umbrella policy will follow the underlying package. It will rely on the definitions used in the underlying; if coverage exists there it will be covered under this policy as well (unless the policy contains a specific exclusion).
• Developer Sponsored Boards are Eligible!
• High Rise Associations are eligible.
• Excess of Directors & Officers, General Liability, Automobile, Employee Benefits, Employers Liability
• For Time Share's, excess Liquor Liability, if applicable

Minimum Underlying Insurance Requirements:

Best's Rating A-VI or better; Otherwise Refer to Company

General Liability:	$1,000,000 Per Occurrence $1,000,000 Personal & Advertising Injury $1,000,000 Products/Completed Operations/Aggregate $2,000,000 General Aggregate Per Location
Automobile:	$1,000,000 Auto Liability BI/PD Combined Limit for all autos
Employers Liability:	All States $500,000 Each Accident $500,000 Each Disease/Employee $500,000 Each Disease Policy Limit
Directors & Officers:	$2,000,000 Per Occurrence and Aggregate
Employee Benefit Liability:	$1,000,000 Per Occurrence and Aggregate

Program Highlights

• Individual Policies Issued by Chubb to run concurrent with the Underlying GL policies.
• Following Form Named Insured
• Following Form General Liability
• Following Form Directors & Officers Liability
• Following Form Automobile
• Following Form Employers Liability
• Absolute Pollution Exclusion
• Following Form Employee Benefits Liability
• Following Form Personal Injury
• Following Form Aggregate Per Location where applicable
• No Self Insured Retention, unless required by statute

The following endorsements will be attached to the policy*:

• Pollution Exclusion - Coverage A
• Employment Related Practices Coverage A&B Exclusion
• Personal Injury/Discrimination Definition - Coverage B
• Defense Provisions Endorsement
• Professional Services Exclusion - Coverage B
• Extended Reporting Period Endorsement
• Employers Liability Limitation Endorsement - Coverage A
• Care, Custody or Control Exclusion - Coverage A&B: Real & Personal Property
• Biological Agents Exclusion: Coverage B
• Terrorism Exclusion - Coverage B
• Lead Exclusion - Coverage A&B

In order to bind coverage, we will need a copy of the general liability binder or quote letter listing all endorsements that will be attached to the policy; including the acceptance or rejection of terrorism coverage and a signed application. Upon receipt of same, we will amend our endorsements if necessary.

Members

Our members range from small start up associations to large multi-thousand unit complexes. New Construction, associations currently under development, builder/developer controlled associations, established associations, Homeowners Associations, Planned Unit Developments, Timeshare Associations are all eligible for coverage under the program.

With a low minimum premiums of $500, we can confidently say, "We've Got You Covered".

No matter what your size, Preferred Property Programs^® together with JGS is your choice of quality insurance protection at competitive prices.

 

For a SECURE online application for Low Limit Umbrella Coverage for Community Associations, please make a selection below: Low Limit Umbrella for Community Associations Online Application Our online quote forms are on a SECURE SERVER, and any information provided by a consumer or customer via our online forms WILL be held in the strictest confidence. No information will be shared with others.