Underwriting Requirements:

>> Agency should be in business for more than three years. If less than three years, a résumé of each partner, owner, and officer should be provided, and agency is not eligible for Staff rating.

>>The program does not drop down and provide coverage excess of sub-limits, unless specifically scheduled.

>>Umbrella coverage does not extend to Fiduciary Liability, Directors and Officers Financial Investment Securities or Cyber Liability.

>>Higher limits are required if defense is within the limits.

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