Because of increased litigation and large compensatory damage awards, Insureds need higher limits on their insurance programs. Pro-Pac SM Umbrella provides higher limits to protect the Insured's assets. The Pro-Pac SM Umbrella follows form over the underlying policy including the general liability environmental and professional liability coverage parts. The Umbrella Auto Liability coverage includes pollution coverage for sudden upset and overturn - where covered in the Auto Policy. The umbrella provides a drop-down coverage feature when aggregate limits have been reduced or exhausted.
Coverage is provided on a non-auditable basis.
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