# Northbrook Insurance Company

## Excess Umbrella Coverage – Insuring Agreements

### 1. Coverage
The Company hereby agrees, subject to the limitations, terms and conditions hereinafter mentioned, to indemnify the insured for all sums which the insured shall be obliged to pay by reason of the liability imposed upon the insured by law, or assumed under contract or agreement by the insured for damages, direct or consequential and expenses on account of:
(a) Personal Injuries, including death at any time resulting therefrom,
(b) Property Damage,
(c) Advertising Liability,

caused by or arising out of each occurrence happening anywhere in the world, and arising out of the hazards covered by and as defined in the Underlying Umbrella Policies stated below and issued by the "Underlying Umbrella Insurers".

### Underlying Umbrella Insurers and Policy Number:
- Zurich # To be advised
  - $2,000,000 any one occurrence and in the aggregate (where applicable) excess of primary.
- American Home # To be advised
  - $8,000,000 any one occurrence and in the aggregate (where applicable) excess of $2,000,000 any one occurrence and in the aggregate (where applicable) excess of primary.

### Conditions
#### 2. Limit of Liability – Underlying Limits
It is expressly agreed that liability shall attach to the Company only after the Underlying Umbrella Insurers have paid or have been held liable to pay the full amount of their respective ultimate net loss liability as follows:

(a) $10,000,000 ultimate net loss in respect of each occurrence, but
(b) $10,000,000 in the aggregate for each annual period during the currency of this policy
and the Company shall then be liable to pay only the excess thereof up to a further
(c) $9,000,000 ultimate net loss in all in respect of each occurrence — subject to a limit of
(d) $9,000,000 in the aggregate for each annual period during the currency of this policy