Required Underlying Insurance

Exposures Coverages Minimum Required Underlying Limit
Automobile Liability
(Owned, leased or rented)
Bodily Injury Property Damagey
-or- Combined Single Limit
$250,000 per person, $500,000 per occ. $50,000 per occ.$500,000 per occ.
Personal Liability
(Homeowners, Condo Owners,y
Tenants, CPL)
Combined Single Limit $300,000 per occ.
UM/UIM Bodily Injury Property Damagey
-or- Combined Single Limit
$250,000 per person, $500,000 per occ. $50,000 per occ. $500,000 per occ.
Watercraft Liability Combined Single Limit Combined Single Limit $300,000 per occ for watercraft under 26 ft. or under 50 HP $500,000 per occ for watercraft 26 ft or more or 50 HP or more.
Recreational Vehicle Liability Combined Single Limit $300,000 per occ.
Employers Liability Combined Single Limit $100,000 per occ.

* Coverage provided by the Personal Excess policy shall be in excess of the minimum underlying coverages above, regardless of whether those have lapsed or are not in force. However, the underlying UM/UIM limits must be maintained at all times or our policy will not provide any excess UM/UIM coverage.