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Benefits

  • 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

Coverages

  • 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

Minimums & Limits

Minimums

  • Minimum premium: $25,000

Limits

  • Primary limits up to $2 million occurrence/$4 million aggregate
  • Excess Limits up to $15 million per occurrence/aggregate

Target Client

  • U.S. companies of all sizes, especially those actively involved in mergers and acquisitions
  • Venture Capital or Private Equity firms

Restricted Industries

  • 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