Commercial Lessors Risk Only Umbrella Product available through Preferred Property Programs   Click Here for Property Managers Insurance   Company: Coverage A: Coverage B: Limits Available:   American Guarantee & Liability Insurance Co. Coverage Excess Follow Form Liability Umbrella Liability $5 Million, $10 Million, $15 Million, $25 Million, and $50 Million Self Insured Retention:   $10,000 (Coverage B Only) Highlights of Coverage:   Underlying Requirements: Specified Named Insured Endorsement:   Same as Underlying GL Follow Form General Liability:   $1,000,000 Per Occurrence $2,000,000 Per Aggregate Follow Form Employee Benefits Liability:   $1,000,000 (when requested only) Follow Form Automobile:   $1,000,000 Per Occurrence (where applicable) Employers Liability:   $500,000/$500,000/$500,000 (where applicable) Follow Form Liquor Law Liability:   $1,000,000 (when requested only) Certified Acts/ Non Certified Terrorism:   $1,000,000 Follow Form Products/Completed Operations:   $1,000,000 Follow Form Personal & Advertising Injury:   $1,000,000 Applicable Endorsements:   Named Insured Endorsement   Absolute Pollution Following form with Hostile Fire Exception   Following Form Aggregate Per Location   NJ State Amendatory   Lead Exclusion - Coverage A & B   Care, Custody Or Control Exclusion   Earth Movement or Subsidence Exclusion   Fungus Liability Exclusion   Certified Act of Terrorism Retained Amount Provisions -Coverage B   Products-Completed Operations Aggregate Endorsement   Master Policy Term Endorsement   Errors and Omissions Exclusion (Real Estate Agent; Property Mgr)   Designated Operation or Work Performed Exclusion (Contractors)   Disclosure of Terrorism Eligible Classes of Business: Leased or rented premises Office Buildings Office Parks Warehouses (no storage of chemicals)   OL& T Exposures consisting primarily of: Property Owners/Managers Shopping Centers (strip or retail malls) Apartment Owners with mixed schedules Industrial Centers Ineligible Classes of Business   Amusement Parks   Day Care   Nursing Homes   Assisted Living   Dormitories   Pillow Storage   Auto Body/Paint Shops   Dwellings, Seasonal   Postal Offices   Auto Tire Recapping   Explosives   Riding Academies   Bamboo, Rattan, Willow Stocks   Facilities with Armed Guards/Dogs   Schools; including Learning Facilities   Boarding/Rooming Houses   Fairs   Scrap Yards   Bowling Alleys   Farms   Senior Residences with extended care   Burlap Stocks   Fireworks   Shooting Galleries   Casinos   Furnished Rooms   Stadiums   Candle (wax) storage   Furniture Refinishing   Student Housing   Carnivals   Marinas   Trailer Homes   Celluloid Goods   Mattress Storage   Vacant Buildings   Chemical Storage   Mobil Homes     Circuses   Nightclubs   This list is not all inclusive and PPP reserves the right to modify or reject applications based on the tenancy of all locations Requirements to receive a quote: A completed LRO internet application. All underlying insurance carriers must be rated by A.M. Best A-VII or better. Please note Lloyd's of is not an acceptable carrier. For multiple locations a per location aggregate is a requirement. To receive a binding quote 4-5 years of company generated hard copy loss runs are required. We can provide premium indications with loss information provided on our applications, however, be advised that these indications are subject to change if the loss runs submitted differ from those outlined in the application. Requirements to Bind: A completed and signed internet LRO application; a completed and signed membership agreement; company generated hard copy loss runs. Broker Compensation: Quotes are provided net to the agents'/brokers who are expected to add a fee for their compensation. Highlights of coverage are for illustration purposes only. Please review your policies upon receipt as actual policy terms and conditions will apply. Minimum premiums apply; Premiums subject to 25% minimum earned; insureds must become members of our risk purchasing group by paying a fully earned fee and signing a membership agreement.