# NOTICE: THESE POLICY FORMS AND THE APPLICABLE RATES ARE EXEMPT FROM THE FILING REQUIREMENTS OF THE NEW YORK STATE INSURANCE DEPARTMENT. HOWEVER, SUCH FORMS AND RATES MUST MEET THE MINIMUM STANDARDS OF THE NEW YORK INSURANCE LAW AND REGULATIONS.

## QUICK REFERENCE

### COMMERCIAL EXCESS POLICY

**READ YOUR POLICY CAREFULLY**

The Commercial Excess Policy consists of the Declarations, the Excess Liability Policy Form, and the Endorsements, if applicable. The following is a quick reference index of the principal provisions contained in each of the components which make up the policy, listed in sequential order.

#### DECLARATIONS

- Named Insured and Mailing Address
- Policy Period
- Policy Premium
- Description of Coverage
- Underlying Insurance
- Limit(s) of the Company's Liability
- Forms and Endorsements Applying to the Policy at Time of Issuance

#### EXCESS LIABILITY POLICY FORM

I. **Coverage.**
   1. Insuring Agreement
   2. Coverage Extensions
II. **Limits of Liability**
III. **Maintenance of Underlying Insurance and Unimpaired Underlying Limits of Liability**
IV. **Notice of Occurrence, Claim, or Suit**
V. **Duty to Defend**
VI. **Definitions**
VII. **Exclusions**
VIII. **General Conditions**
A. Legal Action Against the Company
B. Changes
C. Bankruptcy
D. Cancellation

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