Express City Insurance Umbrella

• Limit options: $1M, $2M, $5M, $10M
• Purchasing group with no shared limits
• Agency bill and direct bill options
• Coverage includes follow form D&O for non-profit community associations
• Nationwide coverage (except New York)
• Competitive pricing
• Superior level of claims service and support
• AM Best A- rated carrier

Eligible Property Types Include:

• Rentals (1-5 locations)
• Condos

For rental property schedules with more than five locations, check out our Real Estate Umbrella program.

State Eligibility:

• Currently unavailable in New York

• Colorado
• Illinois
• Maryland
• Massachusetts
• Missouri
• North Carolina
• Ohio
• Oregon
• Pennsylvania
• Tennessee
• Virginia
• Washington
• Washington, DC
• Wisconsin

• California
• Minnesota
• New Jersey

• $1,000,000
• $2,000,000
• $5,000,000
• $10,000,000

• Broad Named Insured endorsement
• Defense Outside Limit
• Pay On Behalf
• Right & Duty To Defend
• Unintentional Errors or Omissions
• Zero Retention

• Advertising Injury
• Auto Liability
• Bodily Injury and Property Damage
• Contractual Liability
• Directors & Officers Liability for non-profit community associations
• Discrimination
• Employee Benefit Liability
• Host Liquor Liability
• Personal Injury

Commercial General Liability (CGL)	$1,000,000 per Occurrence/ $1,000,000 Personal and Advertising Injury $2,000,000 General Aggregate per Location
Commercial Auto Liability (AL)	$1,000,000 Combined Single Limit
Employer Liability (EL)	$500,000 Each Accident $500,000 Policy Limit-Disease $500,000 Each Employee-Disease
Employee Benefits Liability (EBL)	$1,000,000 Each Occurrence or Each Claim $1,000,000 Aggregate
Garage Keepers Legal Liability (GKLL)	$1,000,000 Each Loss
Directors and Officers Liability (D&O) (Not for Profit Community Associations Only)	$1,000,000 Each Claim (Indemnity) $1,000,000 Each Claim (Defense) $1,000,000 Aggregate Each Association Or $2,000,000 Each Claim (Defense inside the limit) $2,000,000 Aggregate Each Association

All underlying carriers must have an A.M. Best rating of A- VII or better. However, we will provide coverage over the Employer’s Liability placed with certified state funds and/or carriers with an A.M. Best Rating of B++ VI or better.

Endorsement form Directors & Officers Liability on the Commercial General Liability policy is eligible only if the D&O has its own separate unimpeded limit.

Directors and Officers Liability underlying policy must include Duty to Defend wording with regards to Defense.

Personal Lines coverage is not acceptable underlying insurance.