# Endurance Specialty Insurance Ltd.

**The Wellesley House, 90 Pitts Bay Road, Pembroke HM08, Bermuda**

**Telephone:** 441-278-0400 **Facsimile:** 441-296-1474

**For Claim Matters Only:** Facsimile: 441-296-5151 or eclaims@endurance.bm

## FOLLOWING FORM EXCESS LIABILITY INSURANCE POLICY

In consideration of the payment of premium and in reliance upon the statements in the Declarations of this Policy, the Insurer agrees as follows:

### I. COVERAGE

A. This Policy shall provide the Insured with Excess Liability Insurance coverage in accordance with the same warranties, terms, conditions, exclusions and limitations as are contained on the Inception Date of this Policy, in the Followed Policy set forth in Item 7 of the Declarations of this Policy, subject to the premium, limits of liability, retention, policy period, warranties, exclusions, limitations and any other terms and conditions of this Policy, including any and all endorsements attached hereto, inconsistent with or supplementary to the Followed Policy.

B. Notwithstanding A. above, in no event shall this Policy follow the terms, conditions, exclusions or limitations in the Followed Policy or provide coverage under this Policy with respect to or as a result of any of the following clauses or similar clauses in the Followed Policy:

1. Liberalization Clause;
2. Cancellation, non-renewal or change in terms notice provisions;
3. State-specific "No fault", Uninsured Motorist or Underinsured Motorist law, or any similar law;
4. Crisis Management or Crisis Response provisions; or
5. Sublimit of liability, unless coverage for such sublimit is specifically endorsed to this Policy.

### II. LIMITS OF LIABILITY

A. Where an amount is shown for the aggregate limit of liability in Item 5 of the Declarations of this Policy, the amount stated is the most the Insurer will pay for all damages covered under this Policy with respect to coverage subject to an aggregate limit of liability in the Followed Policy.

B. Subject to A. above, the per occurrence, per claim, or per loss limit of liability stated in Item 5 of the Declarations of this Policy is the most the Insurer will pay for all damages arising out of any one occurrence, claim or loss as stated in the Followed Policy.