Low Limit Umbrella Product for Community Associations are now available through JGS Insurance. We have developed a Low Limit Umbrella Liability program underwritten through JGS and issued through Chubb Insurance Group. We have Umbrella policies available in limits of $1 Million Through $5 Million excess of GL, Auto, Workers Compensation and Directors and Officers policies. The financial security of Chubb Insurance Group has ratings of A++ 15, and AAA from A.M. Best and Standard and Poors, respectively. Coverage A of the form is an absolute following form umbrella which means the umbrella policy will follow the underlying package. It will rely on the definitions used in the underlying; if coverage exists there it will be covered under this policy as well. Developer Sponsored Boards are Eligible! High Rise Associations to twenty-five (25) stories are eligible. Excess of Directors & Officers, General Liability, Automobile, Employee Benefits, Employers Liability For Time Share's, excess Liquor Liability, if applicable Minimum Underlying Insurance Requirements: Best's Rating A-VI or better; Otherwise Refer to Company General Liability: $1,000,000 Per Occurrence $1,000,000 Personal & Advertising Injury $1,000,000 Products/Completed Operations/Aggregate $2,000,000 General Aggregate Per Location Automobile: $1,000,000 Auto Liability BI/PD Combined Limit for all autos Employers Liability: All States $500,000 Each Accident $500,000 Each Disease/Employee $500,000 Each Disease Policy Limit Directors & Officers: $2,000,000 Per Occurrence and Aggregate Employee Benefit Liability: $1,000,000 Per Occurrence and Aggregate Program Highlights Individual Policies Issued by Chubb to run concurrent with the Underlying GL policies. Following Form Named Insured Following Form General Liability Following Form Directors & Officers Liability Following Form Automobile Following Form Employers Liability Absolute Pollution Exclusion Following Form Employee Benefits Liability Following Form Personal Injury Following Form Aggregate Per Location where applicable No Self Insured Retention, unless required by statute The following endorsements will be attached to the policy*: Pollution Exclusion - Coverage A Employment Related Practices Coverage A&B Exclusion Personal Injury/Discrimination Definition - Coverage B Defense Provisions Endorsement Professional Services Exclusion - Coverage B Extended Reporting Period Endorsement Employers Liability Limitation Endorsement - Coverage A Care, Custody or Control Exclusion - Coverage A&B: Real & Personal Property Biological Agents Exclusion: Coverage B Terrorism Exclusion - Coverage B Lead Exclusion - Coverage A&B In order to bind coverage, we will need a copy of the general liability binder or quote letter listing all endorsements that will be attached to the policy; including the acceptance or rejection of terrorism coverage. Upon receipt of same, we will amend our endorsements if necessary. Thank you for the opportunity to provide commercial Umbrella coverage for this client. Members Our members range from small start up associations to large multi-thousand unit complexes. New Construction, associations currently under development, builder/developer controlled associations, established associations, Homeowners Associations, Planned Unit Developments, Timeshare Associations are all eligible for coverage under the program. With a low minimum premiums of $500, we can confidently say, "We've Got You Covered". No matter what your size, Preferred Property Risk Purchasing Group together with JGS is your choice of quality insurance protection at competitive prices.