Group Personal Excess Liability Policy



 Exhibit 10(ll) 
 

 
  
 GROUP
PERSONAL 
 EXCESS LIABILITY 
 POLICY 








					
	  
 


	  	 Chubb Group of Insurance Companies
 15 Mountain View
Road, Warren, New Jersey 07060
	  	Group
Personal Excess
Liability Policy

  
 COVERAGE
SUMMARY                                       
                                      
  

			
	Name and address of Insured	 	Policy Number (05) 7952-68-99
		
	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP
GRUMMAN CORPORATION
 1840 CENTURY PARK EAST, 152/CC
 LOS ANGELES,
CALIFORNIA
 90067
	 	 Issued by the stock insurance company indicated below, herein called the Company.
  
 CHUBB CUSTOM INSURANCE COMPANY
 Incorporated
under the laws of Delaware, herein called the Company.

		
	Sponsoring Organization and Address	 	 
		
	 NORTHROP GRUMMAN CORPORATION
 1840 CENTURY PARK
EAST,
 152/CC
 LOS ANGELES, CA 90067
	 	Producer Number 0054782

  
 Policy Period 
  
 From:    NOVEMBER 01,
2004        To:    NOVEMBER 01, 2005 
  
 Premium 
  
   Amount 
   $302,150.00 
  
 Limit of Liability 
  

			
	SEE ENDT.	  	Each Occurrence
	$2,000,000	  	 Excess Uninsured / Underinsured
 Motorists Protection
Each Occurrence


  
 Required Primary Underlying
Insurance 
  
 Personal Liability (Homeowners) for personal injury and
property damage in the minimum amount of $100,000 each occurrence. 
  
 Registered
vehicles in the minimum amount of $250,000 / $500,000 bodily injury and $100,000 property damage; or $300,000 single limit each occurrence. Registered vehicles included motorcycles and motorhomes. 
  
 Unregistered vehicles in the minimum amount of $100,000 bodily injury and property damage
each occurrence. 
  
 Watercraft less than 26 feet and 50 engine rated horsepower
or less for bodily and property damage in the minimum amount of $100,000 each occurrence. 
  
 Watercraft 26 feet or longer or more than 50 engine rated horsepower for bodily injury and property damage in the minimum amount of $500,000 each occurrence. 







 Uninsured / Underinsured motorists protection in the minimum amount of $250,000 / $500,000 bodily injury or $300,000
single limit occurrence. 
  
 FAILURE TO COMPLY WITH THE REQUIRED PRIMARY
UNDERLYING INSURANCE WILL RESULT IN A GAP IN COVERAGE. 
  
 Amendments to
Your Policy, if any 
  

			
	Mandatory Amendment:	  	Subject to Chubb Custom Insurance Company Personal Excess Liability Form Service of Suit Clause

  
 Authorization

  
 In Witness Whereof, the company issuing this policy
has caused this policy to be signed by its authorized officers, but this policy shall not be valid unless also signed by a duly authorized representative of the company. 
  
 CHUBB CUSTOM INSURANCE COMPANY 
  

			
	

	 	


	Secretary	 	President

  

			
	 Authorized Representative
	 	


	

	Date    NOVEMBER 18, 2004	 	 

  
 Producer’s Name & Address

  
 AON RISK SERVICES/PRIVATE RISK MANAGEMENT 
 707 WILSHIRE BLVD., STE. 6000 
 LOS ANGELES, CA 90017 








			
	

	 	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 INTRODUCTION

  
 This is your Chubb Group Personal Excess Liability Policy. Together with
your Coverage Summary, it explains your coverages and other conditions of your insurance in detail. 
  
 This policy is a contract between you and us. READ YOUR POLICY CAREFULLY and keep it in a safe place. 
  
 Agreement 
  
 We agree to provide the insurance described in this policy in return for the premium paid by the Sponsoring Organization and your compliance with the policy conditions. 
  
 Definitions 
  
 In this policy, we use words in their plain English meaning. Words with special meanings are defined in the part of the policy where they
are used. The few defined terms used throughout the policy are defined here: 
  
 You means the individual who is a member of the Defined Group shown as the Named Insured in the Coverage Summary.  
  
 We and us mean the insurance company named in the Coverage Summary. 
  

Family member means your relative who lives with you, or any other person under 25 in your care or your relative’s care who lives with you. 
  
 Sponsoring Organization means the entity, corporation, partnership or sole
proprietorship sponsoring and defining the criteria for qualification as a Named Insured. 
  
 Policy means your entire Group Personal Excess Liability Policy, including the Coverage Summary. 
  
 Coverage Summary means the most recent Coverage Summary we issued to you, including any subsequent coverage amendments. 
  
 Occurrence means a loss or accident to which this insurance applies occurring within
the policy period. Continuous or repeated exposure to substantially the same general conditions unless excluded is considered to be one occurrence. 
  
 Business means any employment, trade, occupation, profession, or farm operation including the raising or care of animals. 
  
 Defined Group means those individuals meeting the criteria for qualification as Named
Insured as defined by the Sponsoring Organization and accepted by us. 
  
 GROUP PERSONAL EXCESS LIABILITY COVERAGE 
  
 This part of your
Group Personal Excess Liability Policy provides you with liability coverage in excess of your underlying insurance anywhere in the world unless stated otherwise or an exclusion applies. 
  
 Payment for a Loss 
  
 Amount of coverage 
  
 The amount of coverage for liability is shown in the Coverage Summary. We will pay on your behalf up to that amount for covered damages from any one occurrence, regardless of how many claims, homes, vehicles,
watercraft, or people are involved in the occurrence. 
  
 Any costs we pay for
legal expenses (see Defense coverages) are in addition to the amount of coverage. 
  
 Underlying Insurance 
  
 We will pay only
for covered damages in excess of all underlying insurance covering those damages, even if the underlying coverage is for more than the minimum amount. 
  
 “Underlying insurance” includes all liability coverage that applies to the covered damages, except for other insurance purchased in excess of this policy.








 GROUP PERSONAL EXCESS LIABILITY POLICY 
  
 Payment for a Loss 
 (continued) 
  
 Required primary underlying insurance

  
 Regardless of whatever other primary underlying insurance may be
available in the event of a claim or loss, it is a condition of your policy that you and your family members must maintain in full effect primary underlying liability insurance of the types and in at least the amounts set forth below unless a
different amount is shown in your Coverage Summary, covering your personal liability and to the extent you have such liability exposures, all vehicles and watercraft you or your family members own, or rent for longer than 30 days, or have furnished
for longer than 30 days, as follows: 
  
 Personal liability (homeowners) for
personal injury and property damage in the minimum amount of $100,000 each occurrence. 
  
 Registered vehicles in the minimum amount of: 
  
 $250,000/$500,000 bodily injury and $100,000 property damage; 
 $300,000 single limit each occurrence. 
  
 Unregistered vehicles in the minimum amount of $100,000 bodily injury and property damage
each occurrence. 
  
 Watercraft less than 26 feet and 50 engine rated horsepower
or less for bodily injury and property damage in the minimum amount of $100,000 each occurrence. 
  
 Watercraft 26 feet or longer or more than 50 engine rated horsepower for bodily injury and property damage in the minimum amount of $500,000 each occurrence. 
  
 Uninsured motorists/underinsured motorist protection in the minimum amounts of
$250,000/$500,000 bodily injury, $100,000 property damage or $300,000 single limit each occurrence. 
  
 Failure by you or your family members to comply with this condition, or failure of any of your primary underlying insurers due to insolvency or bankruptcy, shall not invalidate this policy. In the event of any such
failure, we shall only be liable in excess of the foregoing minimum amounts and to no greater extent with respect to coverages, amounts and defense costs than we would have been had this failure not occurred. 
  
 You must also give notice of losses and otherwise cooperate and comply with the terms and
conditions of such primary underlying insurance. 
  
 Excess Liability
Coverage 
  
 We cover damages a covered person is legally obligated to
pay for personal injury or property damage, caused by an occurrence: 
  
 in excess of damages covered by the underlying insurance; or 
  
 from the first dollar of damage where no underlying insurance is required under this policy and no underlying insurance exists; or 
  
 from the first dollar of damage where underlying insurance is required under this policy but no coverage is provided by the underlying insurance for a
particular occurrence, unless stated otherwise or an exclusion applies. 
  
 Exclusions to this coverage are described in Exclusions.  
  
 “Follow form” means: 
  
 We cover damages to the extent they
are both covered under the Required Primary Underlying Insurance and, not excluded under this policy. Also, the amount of coverage, defense coverages, cancellation and “other insurance” provisions of this policy supersede and replace the
similar provisions contained in such other policies. When this policy is called upon to pay losses in excess of required primary underlying policies exhausted by payment of claims, we do not provide broader coverage than provided by such policies.
When no primary underlying coverage exists, the extent of coverage provided on a follow form basis will be determined as if the required primary underlying insurance has been written on policy forms filed by Insurance Services Office. 
  
 A “covered person” means: 
 you are a family member; 
 any person using a
vehicle or watercraft covered under this policy with permission from you or a family member with respect to their legal responsibility arising out of its use; 








			
	

	  	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Excess Liability Coverage

 (continued) 
  
 any person or organization with respect to their legal responsibility for acts or omissions of you or a family member; or any combination of the above.

  
 “Damages” means the sum that is paid or is payable to satisfy a
claim settled by us or resolved by judicial procedure or by a compromise we agree to in writing. 
  
 “Personal injury” means the following injuries, and resulting death: 
  
 bodily injury; 
  
 shock, mental anguish, or mental injury; 
  
 false arrest, false imprisonment, or wrongful detention; 
  
 wrongful entry or eviction; 
  
 malicious prosecution or humiliation; and 
  
 libel, slander, defamation of character, or invasion of privacy. 
  

“Bodily injury” means physical bodily harm, including sickness or disease that results from it, and required care, loss of services and resulting death.

  
 “Property damage” means physical injury to or destruction of
tangible property and the resulting loss of its use. Tangible property includes the cost of recreating or replacing stocks, bonds, deeds, mortgages, bank deposits, and similar instruments, but does not include the value represented by such
instruments. 
  
 “Registered vehicle” means any motorized land vehicle
not described in “unregistered vehicle.” 
  
 “Unregistered
vehicle” means: 
  
 any motorized land vehicle not designed
for or required to be registered for use on public roads; 
  
 any
motorized land vehicle which is in dead storage at your residence; 
  
 any motorized land vehicle used solely on and to service your residence premises; or 
  
 golf carts. 
  
 Excess uninsured
motorists/underinsured motorist protection 
  
 This coverage is in effect
only if excess uninsured motorists/underinsured motorists protection is shown in the Coverage Summary. 
  
 We cover damages for bodily injury and property damage a covered person is legally entitled to receive from the owner or operator of an uninsured motorized/underinsured motorized land vehicle. We cover these damages
in excess of the underlying insurance or the Required Primary Underlying Insurance, whichever is greater, if they are caused by an occurrence during the policy period, unless otherwise stated. 
  
 Amount of coverage. The maximum amount of excess uninsured motorists/underinsured
motorists protection available for any one occurrence is the excess uninsured motorists/underinsured motorists protection amount shown in the Coverage Summary regardless of the number of vehicles covered by the Required Premium Underlying Insurance.
We will not pay more than this amount in any one occurrence for covered damages regardless of how many claims, vehicles or people are involved in the occurrence. 
  
 This coverage will follow form. 
  
 Uninsured motorists/underinsured motorists protection arbitration 
  
 If we and a covered person disagree whether that person is legally entitled to recover damages from the owner or operator of an uninsured motor vehicle/underinsured motor
vehicle, or do not agree as to the amount of damages, either party may make a written demand for arbitration. In this event, each party will select an arbitrator. The two arbitrators will select a third. If they cannot agree on a third arbitrator
within 45 days, either may request that the arbitration be submitted to the American Arbitration Association. When the covered person’s recovery exceeds the minimum limit specified in the applicable jurisdiction’s financial responsibility
law, each party will pay the expenses it incurs, and bear the expenses of the third arbitrator equally. Otherwise, we will bear all the expenses of the arbitration. 
  
 Unless both parties agree otherwise, arbitration will take place in the county and state in which the covered person lives. Local rules of
law as to procedure and evidence will apply. A decision agreed to by two arbitrators will be binding unless the recovery amount for bodily injury exceeds the minimum limit specified by the applicable jurisdiction’s financial responsibility law.
If the amount exceeds that limit, either party may demand the right to a trial. This demand must be made within 60 days of the arbitrator’s decision. If this demand is not made, the amount of damages agreed to by the arbitrators will be
binding. 








			
	 	  	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Excess Liability Coverage

 (continued) 
  
 Defense coverages 
  
 We will defend a covered person against any suit seeking covered damages for personal injury or property damage that is either: 
  

not covered by any underlying insurance; or 
  
 covered by an underlying policy as each Defense Coverage has been exhausted by payment of claims. 
  
 We provide this defense at our expense, with counsel of our choice, even if the suit is
groundless, false, or fraudulent. We may investigate, negotiate, and settle any such claim or suit at our discretion. 
  
 As part of our investigation, defense, negotiation, or settlement, we will pay: 
  

all premiums on appeal bonds required in any suit we defend; 
  

all premiums on bonds to release attachments for any amount up to the amount of coverage (but we are not obligated to apply for or furnish any bond);

  
 all expenses incurred by us; 
  
 all costs taxed against a covered person; 
  
 all interest accruing after a judgment is entered in a suit we defend on
only that part of the judgment we are responsible for paying. 
  
 We will not pay interest accruing after we have paid the judgment up to the amount of coverage; 
  
 all prejudgment interest awarded against a covered person on that part of the judgment we pay or offer to pay. We will not pay any prejudgment interest
based on that period of time after we make an offer to pay the amount of coverage; 
  
 all earnings lost by each covered person at our request, up to $250 a day, to a total of $10,000; 
  
 other reasonable expenses incurred by a covered person at our request; and 
  
 the cost of bail bonds required of a covered person because of a covered loss. 
  
 In jurisdictions where we may be prevented by local law from carrying out these Defense
Coverages, we will pay only those defense expenses that we agree in writing to pay and that are incurred by you. 
  
 Exclusions 
  
 These exclusions apply to your Group Personal Excess Liability Coverage, unless stated otherwise. 
  
 Owned motorcycles and owned motor homes. We do not cover any damages arising out of the ownership, maintenance, use, loading or
unloading of any owned motorcycle or owned motor home unless there is coverage under the Required Primary Underlying Insurance for the motorcycle or motor home. The coverage for owned motorcycles and owned motor homes is on a follow form basis.

  
 Aircraft. We do not cover any damages arising out of the ownership,
maintenance, use, loading, unloading, or towing of any aircraft, except aircraft chartered with crew by you. We do not cover any property damages to aircraft rented to, owned by, or in the care, custody or control of a covered person. 
  
 Large watercraft. We do not cover any damages arising out of the ownership,
maintenance, use, loading, unloading or towing of any watercraft 26 feet or longer or with more than 50 engine rated horsepower owned by a covered person, or furnished or rented to a covered person for longer than 30 days. But we do cover watercraft
being stored, unless another exclusion applies. Coverage is provided on a following form basis if the watercraft is covered under the Required Primary Underlying Insurance. 
  
 Motorized land vehicle, watercraft and aircraft racing. We do not cover any damages arising out of the participation in or practice
for competitive racing of any motorized land vehicle, watercraft or aircraft. This exclusion does not apply to sailboat racing even if the sailboat is equipped with an auxiliary motor. 
  
 Motorized land vehicle and watercraft-related jobs. We do not cover any person while employed or otherwise engaged in the business of
selling, repairing, servicing, storing, parking, docking, mooring, testing, or delivering motorized land vehicles or watercraft. 
  
 Motorized land vehicle and watercraft loading. We do not cover any person or organization, with respect to the loading or unloading of motorized land vehicles or
watercraft. 








			
	

	 	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Exclusions 

(continued) 
  
 Workers’ compensation or disability. We do not cover any damages a covered person is legally obligated to provide under any workers’ compensation, disability benefits, unemployment compensation or
similar laws. But we do provide coverage in excess over any other insurance for damages a covered person is legally obligated to pay for bodily injury to a domestic employee of a residence covered under the Required Primary Underlying Insurance
which are not compensable under workers’ compensation, unless another exclusion applies. 
  
 Director’s liability. We do not cover any damages for any covered person’s actions or failure to act as an officer or member of a board of directors of any corporation or organization. This exclusion
does not apply to a not-for-profit corporation or organization, or to a condominium or cooperative association. 
  
 Damage to covered person’s property. We do not cover any person for property damage to property owned by any covered person. 
  
 Damage to property in your care. We do not cover any person for property damage to
property rented to, occupied by, used by, or in the care of any covered person, to the extent that the covered person is required by contract to provide insurance. But we do cover such damages for loss caused by fire, smoke, or explosion unless
another exclusion applies. 
  
 Discrimination. We do not cover any damages
arising out of discrimination due to age, race, color, sex, creed, national origin, or any other discrimination. 
  
 Intentional acts. We do not cover any damages arising out of an act intended by a covered person to cause personal injury or property damage, even if the injury or
damage is of a different degree or type than actually intended or expected. An intentional act is one whose consequences could have been foreseen by a reasonable person. But we do cover such damages if the act was intended to protect people or
property unless another exclusion applies. 
  
 Molestation, misconduct or
abuse. We do not cover any damages arising out of any actual, alleged or threatened: 
  
 sexual molestation; 
  
 sexual
misconduct or harassment; or 
  
 abuse. 
  
 Nonpermissive use. We do not cover any person who uses a motorized land vehicle or
watercraft without permission from you or a family member. 
  
 Business
pursuits. We do not cover any damages arising out of a covered person’s business pursuits, investment or other for-profit activities, for the account of a covered person or others, or business property except on a follow form basis.

  
 But we do cover damages arising out of volunteer work for an organized
charitable, religious or community group, an incidental business away from home, incidental business at home, incidental business property, incidental farming, or residence premises conditional business liability unless another exclusion applies. We
also cover damages arising out of your ownership, maintenance, or use of a private passenger motor vehicle in business activities other than selling, repairing, servicing, storing, parking, testing, or delivering motorized land vehicles. 

 
 “Incidental business away from home” is a self-employed sales activity, or a
self-employed business activity normally undertaken by person under the age of 18 such as newspaper delivery, babysitting, caddying, and lawn care. Either of these activities must: 
  
 not yield gross revenues in excess of $5,000 in any year; 
  
 have no employees subject to worker’s compensation or other similar disability laws; 
  
 conform to local, state, and federal laws. 







 GROUP PERSONAL EXCESS LIABILITY POLICY 
  
 Exclusions 
 (continued) 
  
 “Incidental business
at home” is a business activity, other than farming, conducted on your residence premises which must: 
 not yield gross revenues in
excess of $5,000 in any year, except for the business activity of managing one’s own personal investments; 
 have no employees subject
to worker’s compensation or other similar disability laws; 
 conform to local, state, and federal laws. 
  
 “Incidental business property” is limited to the rental or holding for rental, to
be used as a residence, of a condominium or cooperative unit owned by you, an apartment unit rented to you, a one or two family dwelling owned by you, or a three or four family dwelling owned and occupied by you. We provide this coverage only for
premises covered under the Required Primary Underlying Insurance unless the rental or holding for rental is for: 
  
 a residence of yours that is occasionally rented and that is used exclusively as a residence; or 
  
 part of a residence of yours by one or two roomers or boarders; or

  
 part of a residence of yours as an office, school, studio, or
private garage. 
  
 “Incidental farming” is a farming activity which
meets all of the following requirements: 
  
 is incidental to
your use of the premises as your residence; 
  
 does not involve
employment of others for more than 1,000 hours of farm work during the policy period; 
  
 does not produce more than $2,500 in gross annual revenue from agricultural operations; 
  
 and with respect to the raising or care of animals: 
  
 does not produce more than $25,000 in gross annual revenues; 
  
 does not involve more than 10 sales transactions during the policy period; 
  
 does not involve the sale of more than 25 animals during the policy period. 
  
 “Residence premises conditional business liability” is limited to business or
professional activities when legally conducted by you or a family member at your residence. We provide coverage only for personal injury or property damage arising out of the physical condition of that residence if: 
  
 you do not have any employees involved in your business or professional
activities who are subject to workers’ compensation or other similar disability laws; or, if you are a doctor or dentist, you do not have more than two employees subject to such laws; you do not earn annual gross revenues in excess of $5,000,
if you are a home day care provider. 
  
 We do not cover damages or consequences
resulting from business or professional care or services performed or not performed. 
  
 Financial guarantees. We do not cover any damages for any covered person’s financial guarantee of the financial performance of any covered person, other individual or organization. 
  
 Professional services. We do not cover any damages for any covered person’s
performing or failure to perform professional services, or for professional services for which any covered person is legally responsible or licensed. 
  
 Acts of war. We do not cover any damages caused directly or indirectly by war, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by
military forces or personnel, the destruction or seizure of property for a military purpose, or the consequences of any of these actions. 
  
 Contractual liability. We do not cover any assessments charged against a covered person as a member of a condominium or cooperative association. We also do not
cover any damages arising from contracts or agreements made in connection with any covered person’s business. Nor do we cover any liability for unwritten contracts, or contracts in which the liability of others is assumed after a covered loss.

  
 Covered person’s or dependent’s personal injury. We do not
cover any damages for personal injury for any covered person or their dependents where the ultimate beneficiary is the offending party or defendant. We also do not cover any damages for personal injury for which you can be held legally liable, in
any way, to a family member or your spouse or for which a family member or your spouse can be held legally liable, in any way, to you. 
  
 However, we do cover damages for bodily injury arising out of the use of a motorized land vehicle for which you can be held legally liable to a family member or your
spouse or for which a family member or your spouse can be held legally liable to you to the extent that coverage is provided under this policy. This coverage applied only to the extent such damages are covered by primary underlying insurance and
exceed the limits of insurance required for the motorized land vehicle under the Required Primary Underlying Insurance provisions of this policy. 
  
 Liability for dependent care. We do not cover any damages for personal injury for which a covered person’s only legal liability is by virtue of a contract or
other responsibility for a dependent’s care. 








			
	

	 	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Exclusions 

(continued) 
  
 Illness. We do not cover personal injury or property damage resulting from any illness, sickness or disease transmitted intentionally or unintentionally by a covered person to anyone, or any consequence
resulting from that illness, sickness or disease. We also do not cover any damages for personal injury resulting from the fear of contracting any illness, sickness or disease, or any consequence resulting from the fear of contracting any illness,
sickness or disease. 
  
 Parental liability. We do not cover any damages
arising from parental liability for the acts of a minor using a motorized land vehicle, watercraft 26 feet or longer or with more than 50 engine rated horsepower, or aircraft. But we do cover parental liability for the acts of a minor using a
motorized land vehicle or watercraft on a follow form basis for the type of motorized land vehicle or watercraft involved, unless another exclusion applies. 
  
 Entrustment. We do not cover any damages arising from the entrustment by any covered person of a motorized land vehicle, watercraft 26 feet or longer or with more
than 50 engine rated horsepower, or aircraft to any person. But we do cover entrustment by any covered person of a motorized land vehicle or watercraft on a follow form basis for the type of motorized land vehicle or watercraft involved, unless
another exclusion applies. 
  
 Nuclear or radiation hazard. We do not cover
any damages caused directly or indirectly by nuclear reaction, radiation, or radioactive contamination, regardless of how is was caused. 







 GROUP PERSONAL EXCESS LIABILITY POLICY 
  
 POLICY TERMS 
  
 This part of your Group Personal Excess Liability Policy explains the conditions that apply to your policy. 
  
 General Conditions 
  
 These conditions apply to your policy in general, and to each coverage in it. 
  
 Policy period 
  
 The effective dates of your policy are shown in the Coverage Summary. Those dates begin at 12:01 a.m. standard time at the mailing address shown. 
  
 All coverages on this policy apply only to occurrences that take place while this policy is in effect. 
  
 Renewals 
  
 We may offer to continue this policy for renewal periods, at the premiums and under the policy provisions in effect at the date of renewal.
We may do this by mailing you a bill for the premium to the address shown in the Coverage Summary, along with any changes in the policy provisions or amounts of coverage. 
  
 You may accept our offer by paying the required premium on or before the starting date of each renewal period. 
  
 Transfer of rights 
  
 If we make a payment under this policy, we will assume any recovery rights a covered person has in connection with that loss, to the extent
we have paid for the loss. 
  
 All of your rights of recovery will become our
rights to the extent of any payment we make under this policy. A covered person will do everything necessary to secure such rights; and do nothing after a loss to prejudice such rights. However, you may waive any rights of recovery from another
person or organization for a covered loss in writing before the loss occurs. 
  
 Concealment or fraud 
  
 This policy is void if you or any
covered person has intentionally concealed or misrepresented any material fact relating to this policy before or after a loss. 
  
 Application of coverage 
  
 Coverage applies separately to each covered person. However, this provision does not increase the amount of coverage for any one occurrence. 
  
 Assignment 
  
 You cannot transfer your interest in this policy to anyone else unless we agree in writing to the transfer. 
  
 Policy changes 
  
 This policy can be changed only by a written amendment we issue. 
  
 Bankruptcy or insolvency 
  
 We will meet all our obligations under this policy regardless of whether you, your estate, or anyone else or their estate becomes bankrupt or insolvent. 
  
 In case of death 
  
 In the event of your death, coverage will be provided until the end of the policy period or policy anniversary date, whichever occurs first,
for any surviving member of your household who is a covered person at the time of death. We will also cover your legal representative or any person having proper temporary custody of your property. 
  
 Conforming to state law 
  
 If any provisions of this policy conflicts with any applicable laws of the state you live in, this policy is amended to conform to those
laws. 
  
 Liability Conditions 
  
 These conditions apply to all liability coverages in this policy. 
  
 Other Insurance 
  
 This insurance is excess over any other insurance except that written specifically to cover excess over the amount of coverage that applies
in this policy. 








			
	

	 	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Liability Conditions

 (continued) 
  
 Your duties after a loss 
  
 In case of an accident or occurrence, the covered person shall perform the following duties that apply: 
  
 Notification. You must notify us or your agent or broker as soon as possible. 
  
 Assistance. You must provide us with all available information. This includes any suit
papers or other documents which help us in the event that we defend you. 
  
 Cooperation. You must cooperate with us fully in any legal defense. This may include any association by us with the covered person in defense of a claim reasonably likely to involve us. 
  
 Appeals 
  
 If a covered person, or any primary insurer, does not appeal a judgment for covered damages, we may choose to do so. We will then become
responsible for all expenses, taxable costs, and interest arising out of the appeal. However, the amount of coverage for damages will not be increased. 
  
 Special Conditions 
  
 In the event of conflict with any other conditions of your policy, these conditions supersede. 
  
 Legal action against us 
  
 You agree not to bring action against us unless you have first complied with all conditions of this policy. If you have a loss, you agree not to bring any action against
us until the obligation has been determined by final judgment or a written agreement by us. 
  
 Notice of cancellation and coverage termination conditions 
  
 Your cancellation. The Sponsoring Organization may cancel this policy by returning it to us or notifying us in writing at any time subject to the following: 
  
 the Sponsoring Organization must notify us in advance of the requested
cancellation date; and 
  
 the Sponsoring Organization must
provide proof of notification to each member of the Defined Group covered under this policy. 
  
 Our cancellation. At our discretion we may cancel this policy by mailing to the Sponsoring Organization at the address shown on the Coverage Summary upon ten (10) days notice for non-payment of premium or
thirty (30) days notice in all other cases. 
  
 Termination. Should an
individual for any reason no longer qualify as a member of the Defined Group, coverage will cease sixty (60) days from the date of such termination, or the policy expiration or cancellation date, whichever comes first. 
  
 Refund. In the event of cancellation by the Sponsoring Organization or us, we will
refund any unearned premium on the effective date of cancellation, or as soon as possible afterwards to the Sponsoring Organization. The unearned premium will be computed short rate for the unexpired term of the policy. 








			
	

	 	GROUP EXCESS LIABILITY POLICY

  

			
	ENDORSEMENT
		
	 Policy Period
	  	 NOVEMBER 01, 2004 to NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 ( 05 ) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004


  
 NAMED INSURED
ENDORSEMENT 
  
 VICE PRESIDENTS, NON OFFICERS AND RETIREES OF
NORTHROP GRUMMAN 
 CORPORATION 
  

			
	 $10,000,000
	  	 LIMIT OF LIABILITY

	 $2,000,000
	  	 UNINSURED/UNDERINSURED MOTORISTS PROTECTION

	
	 Ronald D. Sugar

		
	 $5,000,000
	  	 LIMIT OF LIABILITY

	 $2,000,000
	  	 UNINSURED/UNDERINSURED MOTORISTS PROTECTION


  
 Lorenzo J. Abella

 Jerry B. Agee 
 Daniel D.
Allen 
 Samuel Alsgood 
 James
E. Anton 
 Dale S. Archer 
 Daniel L. Arczynski 
 James L. Armitage 
 George T. Arnsmeyer 
 Lawrence A. Auffrey 
 Dennis E. Averyt 
 William B. Ballantyne

 David Barakat 
 Barbara
Barcon 
 Leroy Barnidge 
 James
S. Barry 
 Mary Ann Benischek 
 Michael D. Bennett 
 Alan C. Bennett 
 Lawrence J. Blair 
 Paul S. Borzcik 
 Robert Brammer 
 John F. Breitfeller








 Lynne O. Brickner 
 Steve R. Briggs 
 Denis Brown 
 Joel E. Brown 
 James D. Bryan 
 Frederick H. Bullock 
 Mary K. Burch

 James W. Burnett 
 Dale E.
Burton 
 Carl J. Busch 
 Wesley
G. Bush 
 Daniel L. Callihan 
 James L. Cameron 
 James F. Carlini 
 William S. Carrier III 
 Mark Carroll 
 Patrick P. Caruana 
 John D. Casko

 James G. Cassady 
 Rajender
J. Chandhok 
 John Chino 
 John
L. Clay 
 Joe D. Cole Jr 
 Christopher B. Cool 
 Joseph O. Costello 
 Robert T. Cote 
 Susan L. Cote 
 Richard A. Croxall 
 Brian J. Cuccias

 Daniel W. Culleton 
 Steve T.
Cummings 
 John F. Daegele 
 Martin E. Dandridge 
 Chineta K. Davis 
 John V. De Maso 
 Robert L. Del Boca 
 Joseph M. Delaney 
 Anthony L. Deley

 David M. Di Carlo 
 Gregory
J. Donley 
 Alan J. Doshier 
 Thomas R. Douglas 
 Michael P. Driscoll 
 Robert W. Dubeau 
 Gerard A. Dufresne 
 Philip A. Dur 
 Larry W. Edelman 

Irwin F. Edenzon 
 John D. Edwards

 Gary W. Ervin 
 Darrell G.
Ewing, Sr. 
 Paul Faranda 
 Timothy M. Farrel1 
 Molly A. Ficarra 
 Arthur Thomas Fintel 
 Gloria Flach 
 Karin In. Flanagan 
 Frank Flores

 Jonh B. Foley III 
 Douglas
L. Fontaine Jr 
 William H. Forster 
 Ann R. Fortenberry 
 Darryl M. Fraser 







 

 
  
 Sidney E. Fuchs 
 Roger U. Fujii 
 Bradley Furukawa

 Mark R. Gagen 
 Bill Li.
Gallas 
 Bruce R. Gerding 
 Nelson Gibbs, Jr. 
 Emmitt E. Gibson 
 Thomas K. Glennan III 
 John C. Golombeck 
 James R. Goodrich 
 Clark Graham 

Jeffrey D. Grant 
 Katherine A. Gray

 Otto J. Guenther 
 Robert L.
Gunter 
 Larry Harrell 
 David
S. Harvey 
 Michael J. Hateley 
 Richard L. Haver 
 Jimmie R. Haygood 
 Maureen P. Heath 
 Robert W. Helm 
 Teno L. Henderson 
 Christopher M. Hernandez

 Jerome L. Hetrick 
 Robert
Hinson 
 Raphael S. Holder 
 Francis K. Holian 
 James R. Hupton 
 Cynthia L. Hyland 
 Robert P. Iorizzo 
 Cheryl L. Janey 
 Mark A. Jendzejec

 Suzanne F. Jenniches 
 Carl
O. Johnson 
 Craig L. Johnson 
 John C. Johnson 
 Thomas H. Johnston 
 Thomas V. Jones 
 Chares L. Jones 
 Jill S. Kale 
 Michele Y. Kang 

Clayton K. Kau 
 Alene G. Kaufman

 John Kavanaugh 
 Gaston Kent

 Robert W. Klein 
 Marsha
Klontz 
 Lisa V. Kohl 
 Keith
C. Krantz 
 Donald H. Kump 
 Richard L. Lapado 
 Lawrence J. Lanzillotta 
 Jack A. Lautenschlager 
 Taylor W. Lawrence 
 Michael W. Lennon 
 William G. Lese

 Robert A. Lindeman 







 James J. Lindenfelser 
 Alexander C. Livanos 
 Jeremiah R. Madigan 
 Paul A. Marchisotto 
 Kenneth L. Mars

 Frank C. Marshall Jr 
 James
Martin 
 John J. Mazach 
 Gary
W. Mc Kenzie 
 Robert J. Mc Nulty 
 Bernard P. Mc Vey 
 Patricia M. McMahon 
 Timothy McMahon 
 Mike J. Mcvey 
 Robert Merchent 
 John L. Messmore

 Paul K. Meyer 
 Linda A.
Mills 
 Robert K. Mitchell 
 William M. Mitchell 
 Dan Montgomery 
 Arnold P. Moore 
 Corey S. Moore 
 Frank W. Moore 
 Stephen C. Movius

 Matthew J. Mulherin 
 John H.
Mullan 
 Diane Murray 
 Albert
F. Myers 
 James M. Myers 
 David A. Nagy 
 David Nastase 
 Margaret L. Nelson 
 Robert E. Nelson 
 Lance G. Newquist 
 Barbara A. Niland 
 Todd A. Norwood 
 Charles H. Noski

 Edward J. Nowacki 
 Rosanne
P. O’brien 
 James R. O’neill 
 Janis G. Pamiljans 
 Travis Wood Parker 
 Robert Pattishall 
 Joseph G. Penarczyk

 George W. Perkins 
 Steven R.
Perkins 
 Michael C. Petters 
 George R. Petteys Jr. 
 Anthony D. Piazza 
 George E. Pickett 
 Carolyn Pittman 
 James F. Pitts 
 Ralph K. Pope 

Everett H. Pratt Jr 
 Christine C.
Reynolds 
 Barry L. Rhine 
 Frederick L. Ricker 
 Jan G. Rideout 
 Kerry D. Rines 
 Robert M. Roberts 
 Hubert E. Robinson 
 Paul M. Robinson








 

 
  
 Gerard Roccanova 

Salvatore M. Romano 
 Thomas E. Romesser

 David S. Rosener 
 James L.
Sanford 
 Richard S. Schenk 
 Kraig H. Scheyer 
 Richard F. Schmaley 
 Gregory A. Schmidt 
 Kent R. Schneider 
 Kevin T. Sculley 
 Sonja F. Sepahban

 Scott J. Seymour 
 Stuart
Shea 
 Michael Sheehan 
 Thomas
W. Shelman 
 John E. Shephard Jr 
 David A. Shrum 
 Jeffrey S. Shuman 
 Neil G. Siegel 
 Mary A. Simmerman 
 Ronald Smith 
 Wylie B. Smith Jr 

Robert B. Spiker 
 Vicki E. Spira

 Scott D. Stabler Ii 
 David
F. Stafford 
 Craig Staresinich 
 John R. Stavlo 
 Rebecca A. Stewart 
 Dwight C. Streit 
 Stephen H. Strom 
 William O. Studeman 
 Pamela J. Sullivan

 Sally A. Sullivan 
 James B.
Tapp, Jr. 
 Joseph Taylor 
 Hugh E. Taylor 
 Philip E. Teel 
 Burks W. Terry 
 Steven D. Timmerman 
 Thomas W. Tomlinson 
 Michele Toth

 Ivory E. Tucker 
 Mark A.
Tucker 
 Richard A. Underhill 
 Mark Ureda 
 David B. Vandervoet 
 William Varner 
 Thomas E. Vice 
 Charles H. Volk 
 Christopher Waln

 Charles B. Wande 
 Robert A.
Waters 
 David W. Whiddon 
 James J. White 
 Roy C. Whites 
 Donald C. Wilhelm 
 David T. Williams 







 Linda M. Williams 
 Thomas L. Williams 
 Kenneth E. Wilson 
 Veasey W. Wilson 
 James W. Winchester

 Donald C. Winter 
 Richard T.
Witton, Jr. 
 Georetta A. Wolff 
 Thurston E. Womble 
 Sandra J. Wright 
 John H. Young, Jr. 
 George R. Yount 
 Stephen D. Yslas 
 Marty Zelman 

Carol J. Zierhoffer 
 Ian Ziskin

 David W. Zolet 
  

			
	ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
		
	Authorized Representative	 	 /s/ Robert Hamburger











			
	

	 	GROUP EXCESS LIABILITY POLICY

  

			
	ENDORSEMENT	  	 
		
	Policy Period	  	NOVEMBER 01, 2004 to NOVEMBER 01, 2005
		
	Effective Date	  	NOVEMBER 01, 2004
		
	Policy Number	  	( 05 ) 7952-68-99
		
	Insured	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF
NORTHROP GRUMMAN CORPORATION

		
	Name of Company	  	CHUBB CUSTOM INSURANCE COMPANY
		
	Date Issued	  	NOVEMBER 18, 2004

  

			
	 $2,000,000
	  	 LIMIT OF LIABILITY

	 $2,000,000
	  	 UNINSURED/UNDERINSURED MOTORISTS PROTECTION


  
 Terry J. Anderson

 Curt E. Armbruster 
 Harry
Armen, Jr. 
 Kent T. Attridge 
 Gregory Ashby 
 Steven C. Babb 
 John J. Ball 
 David C. Beard 
 Russell J. Bercier 
 Denny J. Beroiz 
 David A. 
 Richard J. Boak 
 Jennifer R. Boykin 
 Louis A. Bozzella

 Jeffrey A. Brody 
 Robert M.
Broton 
 Kenneth R. Brown 
 Edward G. Bughman 
 Michael J. Butchko 
 James A. Byrne 
 Joseph M. Cagnazzi 
 Douglas E. Campion 
 William E. Carty

 Frank Catalfamo 
 John J.
Charland 
 Daniel S. Cockroft 
 Thomas Conroy 
 Jeffrey J. 
 Ramon P. Dasal 
 Robert C. Davis 
 James M. Dean 
 Dario Deangelis 
 Kim L. Dismuke 
 Robert Doleman 

Nimesh Doshi 







 Michael W. Elliot 
 Craig Ellis 
 Mark Feldman 
 Peter Fera 
 Alfred J. Ferrari 
 Scott M. Freber 
 Chester D. Freeze

 Joseph C. Garone 
 Dennis
Gauci 
 Elizabeth R. Gomez 
 Harry M. Graves Jr 
 Richard J. Gregor 
 Karyn A. Greenfield 
 Marco N. Gulotta 
 Anthony C. Guma Jr 
 Edward G. Halloran

 William C. Haub 
 Harry H.
Heimple 
 William P. Hickman 
 Gary A. Hogarth 
 Robert A. Huebner 
 Frank M. Ioli 
 Leona Karbowski 
 Cheryl S. Kariya 
 Jonh T. Kenney

 Jonathon S. Korin 
 Stanley
Kwong 
 Ronald J. Langietti 
 Maris Lapins 
 Michale V. Leahy 
 Stanley Lee 
 Kenneth A. Lehman 
 Yu-Ping Liu 
 Michael A. Lotito 

Eugene J. Lowe 
 Joseph F. Lucente

 Palmer A. Marcantonio 
 Roland P. Marquis 
 Anthony G. Marrocco 
 Richard W. Mattern 
 William Mc Connell 
 Timothy S. McKnight 
 Richard A. Milburn

 Lucy Mineghino 
 Lorraine R.
Murray 
 Edward L. Naro 
 William T. Ober Ii 
 John Michael Patrick 
 R. M. Peak 
 Albert A. Pisani 
 Nataline F. Piscitelli 
 Terry W. Prosser 
 Michael R. Prueter 
 Harry Quandt

 Mark A. Rabinowitz 
 Mark A.
Rhoades 
 Gary P. Roehrig 
 Donna I. Rumph 
 Shari M. Sachs 
 Carol C. Schmitt 
 Robert J. Schutte 
 Gary F. Serio 
 Alfred J. Serrano








 

 

 LOGO 

  
 Shabbir A. Shad 
 Richard D. Shea 
 James M. Sims 

Steven A. Sloan 
 Colleen C. Smith

 Mary A. Solana 
 Harris
Sperling 
 Gordon R. Stewart 
 Marilyn J. Stewart 
 Jeffrey A. Stoy 
 David H. Strode 
 John Stumpf 
 Stanley R. Swenson, Jr. 
 Malcolm S. Swift 
 Richard L. Tallman 
 John B. Thompson, Jr.

 Deborah A. Thurman 
 Douglas
I. Timmer 
 Patricia A. Tisone 
 Charles Y. Tomita 
 John Urbanski 
 Louise Ussery 
 George F. Wagner 
 David S. Weil Jr 
 Thomas J. Weir

 David W. Werkheiser 
 Glen A.
West 
 Charles T. Williams 
 Roger B. Williams 
 Thomas R. Wilson 
 Douglas E. Wood 
 Thomas H. Zehner 
  

			
	ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
		
	Authorized Representative	 	 /s/ Robert Hamburger










 

 
  

			
	Endorsement
		
	 Policy Period
	  	 NOVEMBER 01, 2004 To NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 (05) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004


  

					
	 	  	THIS POLICY IS SUBJECT TO THE FOLLOWING ENDORSEMENT:
		
	 Endorsement
 Compliance With Applicable Trade Sanctions
	  	 Compliance With Applicable Trade Sanctions
  
 This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance.

		
	 	  	All other terms and conditions remain unchanged.
			
	 	  	Authorized Representative 	 	


	 	  	










			
	

	 	GROUP EXCESS LIABILITY POLICY

  

			
	ENDORSEMENT
		
	 Policy Period
	  	 NOVEMBER 01, 2004 to NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 ( 05 ) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004


  
 INTERNATIONAL
RESIDENTS PRIMARY REQUIRED UNDERLYING LIMIT ENDORSEMENT 
  
 It
is agreed that with respect to the Named Insured residing outside of the United States, the required primary underlying insurance limits of liability shall be the same limits of liability as shown in the coverage summary, except for those Named
Insured residing in a country that does not provide the required primary underlying insurance limits of liability. In these countries the Named Insured will be required to obtain the maximum limits of liability available for all coverage shown on
the Coverage Summary under the required primary underlying insurance. 
  

			
	ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
		
	Authorized Representative	 	 /s/ Robert Hamburger











			
	

	 	GROUP EXCESS LIABILITY POLICY

  

			
	ENDORSEMENT
		
	 Policy Period
	  	 NOVEMBER 01, 2004 to NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 ( 05 ) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004


  
 ANNUAL PREMIUM
ADJUSTMENT CLAUSE 
  
 It is agreed that this policy is written
with a deposit premium to be adjusted on either each policy anniversary or at policy expiration. The premium will be adjusted on the basis of the difference between the total number of participants at inception and the actual number of participants
at each anniversary. This difference is to be multiplied by fifty (50%) of the annual rate per participant, resulting in either an additional or return premium. 
  

			
	ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
		
	Authorized Representative	 	 /s/ Robert Hamburger










 

 
  

			
	Endorsement
		
	 Policy Period
	  	 NOVEMBER 01, 2004 to NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 (05) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004


  

			
	 California Service
 Of Suit Clause
	 	 THIS POLICY IS SUBJECT TO THE FOLLOWING ENDORSEMENT:
  
 It is agreed that in the event of the failure of the Company hereon to pay any amount claimed to be due hereunder, the Company hereon, at
the request of the Insured, will submit to the jurisdiction of a court of competent jurisdiction within the United States of America. Nothing in this condition constitutes or should be understood to constitute a waiver of the Company’s rights
to commence an action in any court of competent jurisdiction in the United States or to remove an action to a United States District Court or to seek a transfer of a case to another court as permitted by the laws of the United States or of any state
in the United States.

		
	 	 	It is further agreed that service of process in such suit may be made upon James V. Lalor, 801 S. Figueroa Street, Suite 2400, Los Angeles, CA 90017-5556, or his nominee, and that in any suit
instituted against any one of them upon this policy, the Company will abide by the final decision of court or of any appellate court in the event of an appeal.
		
	 	 	The above-named is authorized and directed to accept service of process on behalf of the Company in any such suit and/or upon the request of the Insured to give a written undertaking to the
insured that it or they will enter a general appearance upon the Company’s behalf in the event such a suit shall be instituted.
		
	 	 	Further, pursuant to any statute of any state, territory or district of the United States of America, which makes provision therefore, the Company hereon hereby designates the Superintendent,
Commissioner or Director of Insurance, Secretary of State or other officer or officers specified for that purpose in the statute of his or their successor or successors in office, as their true and lawful attorney upon whom may be served any lawful
process in any action, suit or proceeding instituted by or on behalf of the Insured or any beneficiary hereunder arising out of this contract of insurance, and hereby designate James V. Lalor, or his nominee, as the person to whom the said officer
is authorized to mail such process or a true copy thereof.

  

			
	All other terms and conditions remain unchanged.
		
	Authorized Representative	 	 /s/ Robert Hamburger










 

 
  
 PRIVACY POLICY AND PRACTICES

  
 THIS NOTICE IS BEING SENT TO THE POLICYHOLDER OF AN INSURANCE POLICY.
IT DESCRIBES CHUBB’S POLICY FOR HANDLING CERTAIN PERSONAL INFORMATION OF ITS INDIVIDUAL CUSTOMERS. 
  
 Chubb has been serving the insurance needs of our customers for more than a century. To continue to provide innovative products and services that respond to your insurance needs, Chubb collects certain personal
information about you, which is described below in The Personal Information We Collect. At Chubb, we respect the privacy of our customers. Chubb’s personal information handling practices are regulated by law, and this Privacy Policy
describes those practices. 
  
 Chubb’s Privacy Policy 
  
 The Personal Information We Collect. Chubb collects personal information about
you and the members of your household to conduct business operations, provide customer service, offer new products, and satisfy legal and regulatory requirements. 
  
 We may collect the following categories of information about you from these sources: 
  

	•	 	Information from you directly or through your agent, broker, or, automobile assigned risk plan, including information from applications, worksheets, questionnaires, claim forms or
other documents (such as name, address, driver’s license number, and amount of coverage requested). 

  

	•	 	Information about your transactions with us, our affiliates or others (such as products or services purchased, claims made, account balances and payment history).


  

	•	 	Information from a consumer reporting agency (such as motor vehicle reports). 

  


	•	 	Information from other non-Chubb sources (such as prior loss information and demographic information). 

  

	•	 	Information from visitors to our websites (such as that provided through online forms and online information collecting devices known as “cookies”). Chubb does not use
“cookies” to retrieve information from a visitor’s computer that was not originally sent in a “cookie”. 

  

	•	 	Information from an employer, benefit plan sponsor, benefit plan administrator or master policyholder for any Chubb individual or group insurance product that you may have (such as
name, address and amount of coverage requested). 

  
 The
Personal Information We Share. Chubb may disclose the personal information we collect to service, process, or administer business operations such as underwriting and claims, and for other purposes such as the marketing of products or
services, regulatory compliance, the detection or prevention of fraud, or as otherwise required or allowed by law. These disclosures may be made without prior authorization from you, as permitted by law. 
  
 Sharing Personal Information With Others. Chubb may disclose the personal
information we collect to affiliated and non-affiliated parties for processing and servicing transactions, such as reinsurers, insurance agents or brokers, property and automobile appraisers, auditors, claim adjusters, third party administrators
and, in the case of group insurance, employers, benefit plan sponsors, benefit plan administrators or master policyholders. For example, Chubb may disclose personal information to our affiliates and other parties that perform services for us such as
customer service or account maintenance. Specific examples include mailing information to you and maintaining or developing software for us. Chubb may also disclose personal information to nonaffiliated parties as permitted by law. For example, we
may disclose information in response to a subpoena, to detect or prevent fraud, or to comply with an inquiry or requirement of a government agency or regulator. 
  

Sharing Personal Information With Service Providers or for Joint Marketing. Chubb may disclose the personal information we collect to agents and brokers
so that they can market financial products and services and to service providers who perform functions for us. Any such disclosure is required to be subject to an agreement with us that includes a confidentiality provision. We do not disclose
personal information to other financial institutions with which we may have joint marketing arrangements; however, we reserve the right to do so in the future, subject to the other financial institution entering into an agreement with us that
includes a confidentiality provision. 







 Confidentiality and Security of Personal Information. Access to personal information is allowed for
business purposes only. The people who have access to personal information, including employees of Chubb and its affiliates, and non-employees performing business functions for Chubb, are under obligations to safeguard such information. Chubb
maintains physical, electronic, and procedural safeguards to guard your personal information. 
  
 Personal Health Information. Under certain circumstances, we also collect personal health information about our customers, such as information regarding an accident, disability or injury, for
underwriting or claim purposes. Chubb does not disclose your personal health information to others for the purpose of marketing to you unless we have your express consent. 
  
 Personal Information of Former Customers. Chubb’s personal information privacy policy also applies to former customers.

  
 Changes in Privacy Policy. Chubb may choose to modify this
policy at any time. We will notify customers of any modifications at least annually. 
  
 Definitions. 
  
 “Chubb” means the following
companies on whose behalf this notice is given: 
  
 Chubb & Son Inc.

 Chubb & Son Inc. (of Illinois) 
 Chubb Custom Insurance
Company 
 Chubb Custom Market, Inc. 
 Chubb Indemnity Insurance
Company 
 Chubb Insurance Company of New Jersey 
 Chubb Lloyds
Insurance Company of Texas 
 Chubb Multinational Managers, Inc. 
 Chubb National Insurance Company 
 Executive Risk Indemnity Inc. 
 Executive Risk Specialty Insurance Company 
 Federal Insurance Company 
 Great Northern Insurance Company 
 Northwestern Pacific Indemnity Company

 Pacific Indemnity Company 
 Quadrant Indemnity Company

 Texas Pacific Indemnity Company 
 Vigilant Insurance Company

  
 “Customer” and “you” mean any individual who obtains or
has obtained a financial product or service from Chubb that is to be used primarily for personal, family or household purposes. This notice applies to customers only. 
  
 “Personal information” means non-public personal information, which is defined by law as personally identifiable financial
information provided by you to Chubb, resulting from a transaction with or any service performed for you by Chubb, or otherwise obtained by Chubb. Personal information does not include publicly available information as defined by applicable law.

  
 Chubb Group of Insurance Companies 
 Chubb Custom Market Department 
 Attention: Privacy Inquiries 
 25 Independence Boulevard