The Benefits of A/B Coverage

Not all umbrella liability coverage is the same.  Unlike other umbrella liability programs, EZU offers you the advantages of an A/B coverage form:

As always, you should examine the policy form carefully.  Definitions which are applicable to Coverage B only do not apply to Coverage A.  If you would like to examine the master policy forms, we have provided them here for your convenience.

Newly Acquired Entities

• Over Coverage B definition of Named Insured automatically includes newly acquired entities, without any reporting requirement.

Reasonable Expenses

• Reasonable expenses of an insured include actual loss of earnings because of time off from work, when the insured is assisting us in defense of a claim or suit.

BI / PD Exclusion Carve Back

• Ordinarily, an umbrella policy will not apply to bodily injury or property damage expected or intended from the standpoint of the insured.
• In the EZU program, this exclusion does not apply to bodily injury or property damages resulting from the use of reasonable force to protect persons or property.

Personal & Advertising Injury

• Coverage includes consequential bodily injury arising out of P&AI offenses.
• We include oral or written publication of material, in any manner.
• We include discrimination, when insurance thereof is not prohibited by law, other than employment related practices.
• P&AI also includes mental anguish, mental injury, humiliation, or shock if directly resulting form an offense listed in items a through h in the policy.

The Disadvantages of Other Umbrella Forms

Not all umbrella liability coverage is the same.  Unlike other umbrella liability programs, EZU you offers you the advantages of an A/B coverage form: