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Individual risk underwriting
Flexible policy periods ("injury or offense periods" and "claim reporting period")
Single aggregate limit over entire policy period/claim reporting period (up to 5 year policy periods entertained)
Tailored to protect for future claims from past operations
Program structure options: guaranteed cost, deductible, self insured retention
Policy form non-cancelable once bound
Merger & Acquisition liabilities (successor liability)
Commercial General Liability
Mono-line products-completed operations
Isolated Liability Exposures (discontinued products/ laser coverage for specific products)
Liability trigger conversion (claims made to occurrence)
Retroactive limits of liability
Limits
Primary limits up to $2 million occurrence/$4 million aggregate
Excess Limits up to $15 million per occurrence/aggregate
U.S. companies of all sizes, especially those actively involved in mergers and acquisitions
Venture Capital or Private Equity firms
Critical aircraft or auto parts and complete vehicle manufacturers
Invasive medical products manufacturers (defined as implanted in the body for more than 15 days)
Nursing home, hospital or social services owners or operators
Pharmaceutical, nutraceutical or herbal supplement manufacturers
Tobacco product manufacturers