# FIRST STATE INSURANCE COMPANY
(A Stock Insurance Company, Herein Called the Company)

## EXCESS UMBRELLA POLICY
### INSURING AGREEMENTS

1. **COVERAGE**

The Company hereby agrees, subject to the limitations, terms and conditions herein-after 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 Named 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 insurer".

**UNDERLYING UMBRELLA INSURERS AND POLICY NUMBER:**

(1) Atlantic - TBA
(2) American Home Assurance Company - TBA
(3) Northbrook Excess & Surplus Insurance Company - #63 005 686

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) $ ultimate net loss in respect of each occurrence, but See Endorsement #3
(b) $ in the aggregate for each annual period during the currency of this Policy separately in respect of Products Liability and separately in respect of Personal Injury (fatal or non-fatal) by Occupational Disease sustained by any employees of the Assured
and the Company shall then be liable to pay only the excess thereof up to a further
(c) $ ultimate net loss in all in respect of each occurrence - subject to a limit of See Endorsement #3
(d) $ in the aggregate for each annual period during the currency of this policy, separately in respect of Product Liability and separately in respect of Personal Injury (fatal or non-fatal) by Occupational Disease sustained by any employees of the Assured.

3. **CANCELLATION CLAUSE**

It is hereby understood and agreed that the Cancellation clause under Condition 7 of the Policy is amended in part as follows:

Reference to "ten days" is amended to read "thirty days".
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This document outlines the coverage, limits of liability, and cancellation clause for an excess umbrella policy provided by First State Insurance Company. It specifies the coverage for personal injuries, property damage, and advertising liability, and details the underlying insurers and their respective policy numbers. The document also defines the limits of liability for the company, both per occurrence and in aggregate, and includes an amendment to the cancellation clause.