# Sayre & Toso, Inc.

**POST OFFICE BOX 60004 / LOS ANGELES, CALIFORNIA 90060**
**(213) 381-6811 / TELEX 69-8205**

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**Dear Producer,**

The standard policy form used on Umbrella Liability policies issued by Sayre & Toso, Inc., in the Mission Insurance Company, Holland-America Insurance Company, and Mission National Insurance Company has been updated so as to modernize "traditional" language, to insure the Umbrella's compatibility with underlying policy wording and definitions. Revisions have also been made which, in most cases, reduce the number of endorsements required.

Specific changes include the following:

1. In the "Named Insured" definition which precedes the Insuring Agreements, and also in Condition B - Additional Insureds - the form now contains a requirement of prompt written notice.
2. Insuring Agreement II, a coverage formerly added only by endorsement, is now included in the standard Umbrella policy form.
3. Sub-paragraph (b) of Definition 1 - Insured - now describes individuals as well as other insured entities.
4. The inapplicable word "discrimination" has been deleted from Definition 2 - Personal Injuries.
5. Exclusion (k), which is now conditional on scheduled underlyings insurances, was formerly an absolute exclusion.

We believe you'll find the new wording current and better suited to helping you serve your clients' best interests, and we trust that you will advise your clients of the above changes.

Very truly yours,

SAYRE & TOSO, INC.

**2601 WILSHIRE BOULEVARD, LOS ANGELES, CALIFORNIA 90057**
MEMBER, MISSION INSURANCE GROUP